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

Made payments on my vehicle. Fell behind and made payments to catch up in XXXX of 2024. I was told there was nothing else due. Made extra payments in XXXX and I was told everything was fine. I received a late notification on my credit report. I called finance company and I was told I was late {$47.00}. There was a balance rolling over that was not on my bill none of the months. That is the reason for them to report my payments to the credit agencies as late. I tried making the payment on the {$47.00} dollars that were supposedly rolling balance and I was told I could not make the payment until it reflected on my account. They state they can not remove the late payments from the agencies.
Product: Debt collection

I received a letter from XXXX dated XX/XX/2017 that Account from XXXX XXXX has been removed from all national credit bureaus. I then received a collection notice from Afni dated XX/XX/2017 in reference to the same XXXX account XXXX which has now been added to my credit report like it 's a new debt which is not legal. It is affecting my credit once again after it was removed prior to Afni purchasing it the same month XXXX sent my letter of removal. How can Afni send me a collection letter dated XX/XX/2017 and XXXX send me a removal letter dated XX/XX/2017. The dates is not adding up and I want Afni to remove this off my credit report!
Product: Credit reporting or other personal consumer reports

For a year I have been disputing accounts on my credit report with Experian. They send me the same form letter back over and over again. They are accusing me of using a credit repair company. I am NOT using a credit repair company ; I am disputing for myself. I have proven this to them several times. They just continue to send back the same form letter.
Product: Credit reporting or other personal consumer reports

I have reached out to transunion and my lender XXXX XXXX XXXX to update my credit showing the account current, it still shows my account as past due which it hasn't been for XXXX  months. XXXX days they have updated transunion says different I have mad multiple disputes with transunion and they won't change th account status
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the certified letter that I sent to XXXX XXXX which explains in detail what I'm disputing. Briefly, I bought ~XXXX worth of items from XXXX XXXX in XX/XX/XXXX and used my XXXX card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX and XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX  explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX  to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The last charge on my record says XXXX by trick. They are trying to say that I tricked someone out of their money. It was not me and I have been trying to get this charge removed from my record, but it is not easy to do.. please understand that I have no control over it being on my record but it is not me and I don't know what I need to do to let employers know that I am working hard to get it removed
Product: Checking or savings account

On XX/XX/2020 I purchased a purse from someone on XXXX. It was in the amount of {$180.00}. I received a confirmation and a tracking number. I received the box attached to the tracking number, however the item was not included. I was out of town when the box was delivered but my mom was home and brought the package inside. 4 days later when I got home I opened the box. ( I was out of town for a funeral ) The box only had magazines in it. I reached out to XXXX and they said they have a 3 day dispute policy and I needed to reach out to my bank. I did and I spoke to a claims agent and gave him all the info he asked for. I asked him if I needed to " return '' the box even though it didn't have the product, the agent said no. I received a response letter from my bank, XXXX had provided the tracking sheets showing it was delivered however I never argued a box was delivered. My argument was that the item was not in there and I got scammed. They asked my to appeal their response with a letter explaining the situation. I did. They responded again and said that " I needed to return the box even if it didn't have the item inside. '' I asked this specific question previously and was told no. So again, I reached out to my bank and they told me that the " temporary credit '' I received while they investigated will be pulled back out of my acct by the end of XX/XX/2020. When I explained the situation, yet again, I was told that " It has now went past the amount of time that my bank could help me '' and I needed to reach out to you to get this resolved. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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.

PLEASE DELETE AND REMOVE ACCORDINGLY. Thank you.
Product: Debt collection

i am an XXXX XXXX XXXX XXXX  credit acceptance came on federal government property and repossessed vehicle while i was XXXX violating the service member civil relief act. company marked credit reports as a repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new employer and I want my employer and employment information added to my XXXX, Experian and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX Annual Salary : {$350000.00}
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XXXX seeking out how they verify a Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. On my credit report they respond to my letter, letting me know that they verify this information through XXXX, I request my consumer report file from XXXX on XX/XX/XXXX and there is no record of this ( public record XXXX  XXXX Bankruptcy ) on XX/XX/XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : US BANKRUPTCY COURT-XXXX
Product: Credit reporting or other personal consumer reports

I DON'T HAVE A VALID SOCIAL SECURITY NUMBER AND ALL MY LOANS A CREDIT THAT I HAVE IS WITH MY ITIN I AM TRYING TO GET A MORTGAGE LOAN TO BUY A HOUSE AND THE BACK IS TELLING ME THAT THEY CAN'T SEE MY INFORMATION ON THE TRANSUNION CREDIT BUT THEY CAN SEE IT ON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an acct and XXXX removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by XXXX just to put back on in another day. Please investigate as to why this has occurred.
Product: Credit card

What Happened : On XXXX XXXX, Discover Financial Services unexpectedly closed my credit card account ( account number : XXXX ). I have consistently made timely payments and have not violated any terms of the cardholder agreement. I always paid at least the minimum payment due, and there have been no late fees or missed payments. 

Upon learning of the account closure, I contacted Discovers customer service to seek an explanation and appeal the decision. Despite my efforts, including sending a formal appeal letter on XXXX XXXX, Discover has not provided a satisfactory resolution or reopened my account. 

The closure of this account has negatively impacted my credit score, causing significant financial and reputational harm. I believe this action was taken in error and without just cause, as evidenced by my payment history and adherence to the account terms. 

Key Details : Account Closed : XX/XX/year> Appeal Letter Sent : XXXX XXXX Actions Taken : Contacted Discover customer service, sent a formal appeal letter Impact : Negative impact on credit score, financial and reputational harm I am seeking assistance in having my account reopened and rectifying the negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence. XXXX v XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : 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

Was a victim of identity theft. I ask that this be taking care of in XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED A COPY OF CREDIT REPORT AND I WAS SHOCKED THAT I HAVE BEEN A VICTIM OF IDENTITY FRAUD. I FOUND SOME ACCOUNTS THAT ARE FRAUDULENT AND WERE NOT OPEN BY ME. THIS IS HURTING ME AS IM LOOKING TO PURCHASE A HOME FOR MY FAMILY. I RECENTLY RECEIVED A COPY OF CREDIT REPORT AND I WAS SHOCKED THAT I HAVE BEEN A VICTIM OF IDENTITY FRAUD. I FOUND SOME ACCOUNTS THAT ARE FRAUDULENT AND WERE NOT OPEN BY ME. THIS IS HURTING ME AS IM LOOKING TO PURCHASE A HOME FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY REPORT IMMEDIATELY.
Product: Consumer Loan

Ford Motor Credit is reporting an account on my credit report that should only be on my business credit report. This lease was for my business and was told it would never hit my personal credit. This is why I put it through the business so that it would n't be on my personal. All of a sudden I look at my credit report and it shows that it is late when this is not true.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately ADDRESSES INQUIRES NAMES ACCOUNTS COLLECTIONS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXX : XXXX
Product: Credit reporting 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 : XXXXXXXX XXXX  Account Number : XXXX and 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 seven 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: Credit reporting or other personal consumer reports

I recently received a copy of my report, and noticed that I have fraudulent activity I would like you guys to removed them, cause there are hurting my ability to obtain a credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student ( Loan ID XXXX ) serviced by XXXX XXXX and held by XXXX XXXX XXXX XXXX continues to show on my TransUnion credit report as open with an account balance of {$9400.00}. The account was paid in full on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/2022 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act XXXX, Account # XXXX XXXX has violated my rights. 
15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 
I am demanding this account be updated to paid as agreed and never late. 
Account Information : Creditors Name : XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year> I await your reply with the above request. I will correspond back with you by certified mail. 
Sincerly, Attached : Copy of ID and proof of residency ( I am not a third party. I wrote this letter myself ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my account reporting on my experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX From XXXX XXXX XXXX, has violated my rights. 
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 an account without my written instructions.

This company tried to collect debt under my name and my SSN, I have sent several dispute letters to this company and no action has been taken to investigate this matter.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Failure to conduct a reinvestigation ; request for damages under the FCRA
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 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 requested, from XXXX, four different occasions via certified mail, documented proof from XXXX stating the item on my XXXX report is incorrect I uploaded the voice conversation that I recorded with XXXX XXXXXXXX as proof. Had no time to research. I received the results within XXXX business days after receipt from XXXX of my dispute. Theres no XXXX XXXX XXXXXXXX couldve researched and closed the dispute within XXXX business days, in addition, I received no back up documentation of their investigation. I want this removed from my XXXX report as I have rendered proof to experience and XXXX XXXX has hung up on me on XXXX different occasions.
Product: Credit reporting or other personal consumer reports

I filed a dispute numerous times about a credit card that was fraudulently opened under my name around XX/XX/year> and I can not get any information on why disput was not done. Amount was over {$300.00} for a XXXX  XXXX credit card. I've tried to disput it numerous times and I never receive any results or answers. Also I have been trying to get old inquiries off my report with no results. These credit reporting agencies need to be looked at closely, they ruin so many good people 's lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/2022, I filed the declaration of unauthorized endorsement or altered item, amount of {$2000.00} to the bank of chase.

Someone stole my check, altered the name and cashed it out. 

The chase bank is saying that they are still investigating and no money has been refunded. 
It has been over 6 months.