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

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My credit card and drivers license was stolen.. my account was hacked.. I have dispute this transaction with my bank..
Product: Debt collection

XXXX  bill of {$61.00} was paid XX/XX/2016 and they never reported paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The data reported to the Credit Bureaus ( XXXX, XXXX and XXXX ) in regards to a late payment to Citi Card account ending in XXXX was incorrect and was due to an error by Citi. 

After investigation by Citi, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to Citi to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by Citi. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with Citi. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that Citi told them the data they hod originally submitted was correct. So they did not fix my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.
Product: Debt collection

Follow up complaint. 
From my previous complaint regarding Portfolio Recovery Associates, they sent the documents requested. From my previous complaint, I stated that I was never told about this collection from their company and their intent to place this account on my report as a negative account. When I received my free annual report in XXXX, thats when I became aware of this insertion onto my credit. According to my XXXX report, this insertion was first reported to this bureau on XX/XX/XXXX. After reviewing the last payment documented as requested, the last payment was recorded XX/XX/XXXX bill, meaning the last payment was in XX/XX/XXXX.XX/XX/XXXX This account was outside of the statute of limitations when it was placed on my credit report. This company knowingly inserted an old account with intentions of ruining my credit. Furthermore, they never contacted me regarding their intent.
Product: Debt collection

I asked them to stop calling my phone they call a couple times a day and wont give u any information unless u give them personal information I asked them to send me a letter they did not. This is my second complaint against them and I will Keep filing they are very rude
Product: Credit card or prepaid card

I reported to Trans Union the credit card was not mine and they verified the account was accurate. I dont have any information about the account except that it was opened with a XXXX XXXX It has balance of {$210.00} and a credit line of $ XXXX. As soon as it appeared I contacted Trans Union. I put a freeze on my credit reports and alerts on all three credit lines.
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 process was unfair and deceptive, as they dis not comply with error resolution requirements under the. Electronic Funds 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, credit repair services, or other personal consumer reports

I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for Equifax, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted complaint number XXXX in XX/XX/2022. And somehow It was marked a duplicate. The complaint sent to the CFPB on that day is certainly not a duplicate. 
In regards to the complaint I submitted to the CFPB portal, I mailed an affidavit to this company and made it clear to them that I was exercising my my right to opt out. Section 1016.7 Form of opt out notice to consumers ; In regards to section ( iii ) of that law, Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 
The affidavit was certified mailed to the financial information and according to my certified receipt, it was delivered on the the XXXX of XXXX. As of today, American Credit acceptance has not yet honor their legal obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I think you have not validated this account 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, and I'm including it again. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2023, I made what I thought to be a payment to my Golden 1 credit card account. There was a pop up saying system maintenance in progress but nothing to state I couldnt make the payment. I assumed the payment went through because it acted like it did. Fast forward, I find out the payment didnt work due to their constant system maintenance. When I called to not only make the payment but also take care of the late issue, I was told that I shouldve known better and had other methods to make the payment. This is not true because I did my due diligence in making the payment. Even if I had known it didnt go through, which I didnt, I am a XXXX veteran. Golden 1 does not need to know of my accessibility to other methods like phones, vehicles, internet, etc. I made the payment in the one way I was able to. I am now being punished for this. 

Golden1s terrible system and constant upgrades hinders our ability to make payments. 

In addition my response to them included the following : It is not acceptable to be literally the only credit card company that does not send out Payment Upcoming emails. Unlike all major companies like XXXX XXXX, Golden1 instead sends out generic emails that say Your Statement is Ready. Statement is confusing, misleading, and the emails do not give details like date due, amount due, etc. Please take a note from XXXX XXXX playbook. 

Your system upgrades are confusing and misleading. They should completely shut down the site with a full page System Upgrades in Progress banner. Instead, Golden1 allows a user to log in and perform some things, as in my case, just to later find out they didnt work such as my payment made within the 30 day grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was disputed from my credit report and now it has reappeared
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting account that I have not opened it doesn't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEP ED, DPT EDXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DPT EDXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX 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: Vehicle loan or lease

Fraud on credit accpatance they put the cash down payment of XXXX dollars with my credit and i never put a cash down payment you can not put cash down payment with my credit and i never put a cash downpayment there for the contract is void and null and it was sent to irs as i have a debt and we are in the 1933 emergency banking act so they broke the the law i want my car back and all of the money asap and all fines
Product: Credit card or prepaid card

I have applied to Comenity Bank for the XXXX XXXX XXXX. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am middle eastern and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Account : XXXX/XXXX  Account # XXXX Amount {$3200.00} Upon discovering fraudulent activity on this account, I disputed this account with Experian. Due to the fraud activity on this account, it was never supposed to be report to any of the three credit agencies. I disputed this account in or around XX/XX/2020. The account came back as verified. For the past three months I have been reaching out to XXXX in an attempt to get a complete financial accounting of all transactions, payments, when the account was opened/closed, where the account was opened/closed and is a statement as to why the account show there is a balanced still owed on a charge off that is accruing interest. I sent a validation letter to XXXX on XX/XX/2020 and as of today XX/XX/2020 I have not received a response back from the company. XXXX has refused to validate the date and they have refused to provide me documentation related to the account they are charging me for. 
On XX/XX/2020 around XXXX XXXX, I spoke with XXXX via telephone from Experian. I questioned him as to why a fraudulent and unverified account remained on my personal credit report. XXXX informed me that XXXX varied the account by mean on an electronic notification. He stated that XXXX did not provide any tangible documentation, they simply pushed a button and stated the account was correct. I asked for more information and requested that the account be reinvestigated. XXXX informed me that if I wanted an investigation on any items on my credit report, I would need to go to the police station, file a police report, list each item individually, and send a copy of the report to Experian either by mail, fax, or upload it. He then provided me with the fax number, mailing address and directions as to how to upload the police report that he told me I need to go file. I asked for the account number on the account and information as to who was collecting the debt. XXXX stated that he could not provide me that information for security reasons. This account is not being handled correctly and I do not think XXXX from Experian should be providing me legal advice. Also do not understand how Experian can legally keep a fraudulent and unverified item on my credit report. Lastly, I do not understand how legally, Experian can refuse to dispute an account on credit report with me following the directions of their legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.
Product: Payday loan, title loan, or personal loan

I took my information, and somehow they got my wrong mailing address on their system they had XXXX XXXX XXXX which is not an existing address at all. my real address is XXXX XXXX XXXX XXXX NY XXXX so i couldnt make payments because i didnt receive any bills or documents. when i realized the issue i contact the bank and they told me they will take care of the issue, and they agreed to take of the late from my reports since the issue was on their end. name of representative was : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX confirmation number XXXX this was paid as agreed and showing up on my credit report Bank of OMAHA
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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 dateXXXX 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 XXXX
Product: Debt collection

Initial contact was XX/XX/XXXX with a voice message from XXXX XXXX at Procollect Inc. I called back on XX/XX/XXXX to inquire about the message and was told a debt was being collected for an apartment in Florida. I am a long term Washington resident and have never lived in Florida or been involved with anyone who has rented an apartment in Florida. I provided a dispute via email as requested by XXXX XXXX on XX/XX/XXXX including a police report and copy of my drivers license for identity verification. The first entry on my credit report occurred at the beginning of XX/XX/XXXX. 
I did not receive any written documentation of the debt or a right to dispute the debt. I called back on XX/XX/XXXX to inquire about the dispute and was told by XXXX XXXX that it may take XXXX days for a resolution and that I should call back on XX/XX/XXXX. On the Procollect Inc website I requested documentation to be sent to me of this debt. I then followed up with a certified letter to Procollect Inc requesting verification of debt and expressing my dispute of this debt. I then received back a final bill from XXXX XXXX apartments in XXXX, FL with the same first and last name for an apartment rental ending XX/XX/XXXX. This letter also had a address in XXXX GA for the debtor in question and a reason for move out of XXXX XXXX. 
I called ProCollect on XX/XX/XXXX in inquire about the status and was told I could now only send email to fox@procollect.com. I sent the email and received a response the next business day stating only that I owe the debt. I did respond asking if we are no longer working in good faith to correct this responsibility. 
In my email on XX/XX/XXXX, I did provide a suggestion as to the correct debtor, as it is easy to find a person with my name who lived in XXXX GA and went to school in XXXX FL in XXXX and happens to have been drafted to the XXXX Texans in XXXX.
Product: Credit card or prepaid card

I took a 2 year promotional balance for a XXXX on an XXXX credit card.My understanding was that XXXX was supposed to split the payments equally, to be paid off in 2 years. However, after 2 years, I owed {$1000.00} and they charged me an additional {$1000.00}, and I now owe {$2000.00}, doubling the final balance that I owe. XXXX did not contact me to notify me that the promotion was ending. When I called multiple times to request if I could pay the final {$1000.00} and be done with the account, they refused. They were not transparent with their terms, did not split the payments equally and did not contact me to to notify me that my account balance would double. XXXX is a scam and I will never do business with them again.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, Experian and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 

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