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

To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially XXXX. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because XXXX, I get a message that says XXXX has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX XXXX and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.
Product: Credit card or prepaid card

XXXX XXXX sold my card to Barclays and upon the transfer I was locked out of my card and account ( since XX/XX/2022 ). Despite working with Barclays and being assured I would not have late fees or interest accruing during the time I was unable to access the account, Barclays has continued to charge excessive interest and late fee charges, in addition to falsely reporting delinquency on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  PenFed a bout an inquiry on  X/XX/2017    and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED RECEIPT FROM XXXXXXXX XXXX - ACCOUNT PAID IN FULL
Product: Checking or savings account

Dear CFPB, I am writing to formally file a complaint against Cash App regarding their refusal to properly address a lawful and legitimate dispute concerning an unauthorized charge. Cash App has shown a pattern of unprofessional conduct, negligence, and obstruction in handling my dispute, and I request immediate intervention. 

I notified cash app of the fraudulent charge minutes after it happened. it was still in a pending state when i first told them about it. That was on XX/XX/XXXX. They still claim it was legitimate despite me notifying them of the fraudulent charge and submitting documentation. I submitted documentation to Cash App regarding a charge from XXXX explaining that the charge was unauthorized and fraudulent. I also provided them with a direct email from the owner of XXXX, confirming that he would issue a refund. Despite the clear evidence I provided, it has now been nearly two months, and the refund has not been issued. 

Cash App denied my dispute without justification and continues to withhold any meaningful information regarding their decision. They repeatedly promised to provide documentation supporting their denial, yet to date, I have received nothing. When I inquire further, their representatives hide behind the chat system, offering vague statements that they refuse to elaborate on, and then abruptly disconnect from the conversation. 

This lack of transparency and refusal to address a legitimate, lawful dispute constitutes negligence and a failure to act in good faith under the law. Cash Apps conduct has caused me unnecessary stress, wasted time, and financial harm. As a consumer, I expect that my financial institution will handle disputes with fairness and professionalismnot dismiss my concerns without explanation. 

I urge the CFPB to investigate Cash Apps handling of my dispute and to require that they provide a detailed explanation for their decision, along with any supporting documentation. Furthermore, I ask that the CFPB take appropriate action to hold Cash App accountable for their mishandling of my case and ensure that I receive the refund I am owed. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened this claim XXXX, but was closed by the bank saying I never sent the information requested. 
I have proof that the fax was delivered with the information requested by the bank to proceed with the claim. 
Attached goes the information for the disputed transactions and the proof of fax delivery with that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Acct # 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 a account without my written instructions
Product: Debt collection

Well this number keeps calling me XXXX and the guy his name XXXX XXXX keeps calling me and also called my fiance and i would like it to stop he called my fiance and ask her questions and i wish rhey can stop calling me.
Product: Credit reporting or other personal consumer reports

Seeking monetary relief for federal violations .attached is dispute for incomplete and inaccurate reporting that has been verified next step is to file lawsuit if accounts are not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

On XXXX XXXX, 2015, the account ( XXXX ) on XXXX purchased my XXXX mini XXXX XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) XXXX, notifying me of the transaction complete, and from XXXX, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " XXXX '' ( email address : XXXXXXXXXXXX ) and " XXXX '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX The XXXX tracking number that I provided to the buyer after shipping the XXXX to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this account so many times. Companys response is that it was verified through reporting agencies. Thats not the law, the law says you have to provide me with MY signature To validate this is my account, which I have never received a verifiable contract with my name on it
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 items that is not mine reporting on my credit file and 4 accounts that are inaccurately status : These are does not belong to me : XXXX XXXX Credit Card that is showing charged off Bal : {$1700.00} XXXX - Credit Card - Charged off ; Bal : {$1500.00} XXXX XXXX  - XXXX - {$11000.00} Unknown Account - Bal : {$140.00} Please remove Incorrect personal information : Incorrect Name : XXXX Incorrect Name : XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX XXXX Incorrect Address : XXXX XXXX  XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX The following accounts are inaccurately status ; I was never late on the following accounts : XXXX - I was never 30, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  - I was never 30, 60, 120, or 150 days late from XX/XX/XXXX - XX/XX/XXXX XXXX  - I was never 30, 60, 120, or 150 days late from XX/XX/XXXX - XX/XX/XXXX XXXX/XXXX - I was never 30, 60, 90 days late from XX/XX/XXXX - XX/XX/XXXX XX/XX/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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Bankruptcy Reference # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX also XXXX XXXX talked on phone at length, went XXXX, Experian, XXXX, disputed all, companies gave me trouble, XXXX XXXX I have hard inquiries I'm not sure what is going on, I've been working hard to not mess up credit. Facts I went to XXXX in XXXX got out 3 days ago my phone was taken from police never returned all info identification was in it I need this stuff removed I'm now clean and ready to build good credit please help, all I get from anyone is it's verified well no it's not. Thanks God bless us all.
Product: Credit reporting or other personal consumer reports

Company states i XXXX XXXX wS the co-signer on the original contract @ the time my credit score was very low and i was told i needed a co-signer by XXXX XXXX XXXX, so XXXX XXXX co-signed on the contract!! i was also told that XXXX XXXX required a down payment as stated in the contract truth and lending disclosure box # 5 the contract has wet signatures in wrong location without our knowledge which caused hardship on me XXXX XXXX each box has a different amount why is that this contract is fraudulent as i have stated to XXXX XXXX along with the CEO XXXX XXXX was made aware as well according to FCRA 15 usc 1681 reporting inaccurate information without my consent 7 yrs 11 months reported on my credit profile thru XXXX XXXX XXXX sent a letter to XXXX XXXX XXXX stating he was the co-signer on the contract cfpb im asking you to investigate further into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.
Product: Credit reporting or other personal consumer reports

Account # XXXX XX/XX/year> XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are.
Product: Credit card

I mistakenly sent an electronic payment on XXXX to Synchrony credit card company which the balance on the card was {$480.00}. The {$750.00} electronic payment was suppose to go another creditor. When I called Synchrony on XXXX, the agent said they had n't received any money and because I only owed {$480.00} and the payment was {$750.00}, they 'd more than likely kick the payment back. I called twice on XXXX, the day my bank said Synchrony should 've received the payment, Synchrony said no record of payment. I called the next day, XXXX, And then I 'm told the acct was charged off and sold to a third party collection agency and they have no longer have access to any information about the account. I 'm given the collection agency 's number. I called the agency, they have no record of me or my account and tell me to wait 10 days to call to see if they have received my information from Synchrony. I talked to the supervisor 's supervisor at Synchrony and he admits that the account was just charged off on XXXX. In the mean time, the credit card company is holding the {$750.00} to eventually forward the payment to collection agency and tell me to get any overpayment difference from them. Synchrony would n't admit they have the {$750.00} even though I do n't have the money ( it 's deducted from my checking account since XXXX ) nor does the collection agency ( I 'm yet a client of theirs ) have the money. Logic stands to reason that Synchrony has the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but Trans Union will  not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.
Product: Credit card or prepaid card

I have a problem with chase and XXXX XXXX XXXX right now I made a payment arrangement for the date XX/XX/XXXX and it was approved from XXXX XXXX XXXX confirmation # XXXX for XXXX was confirmed and drafted and then refunded XXXX days later due to chase from what XXXX XXXX XXXX said. Then XX/XX/XXXX after i found out the payment failed i paid through the app again with the confirmation # XXXX for XXXX and this one went through. The second split payment for XXXX i paid and was given a confirmation # XXXX on XX/XX/XXXX then i was once again called on theXX/XX/XXXX sayin it once again failed when i have money in my account. After this i called and i talked to XXXX from XXXX XXXX on the XX/XX/XXXX and she said the there was no declines in the account which was the second suspicious thing from this then thirdly I was called this morningXX/XX/XXXXby XXXX & XXXX and they asked if I could pay and i told them im not making another payment until I find out what is going on with my account and said I was making a complaint to the consumer finance division. She then said that the payment was coming from an account that was closed 3 months ago, when i look in the app underneath payment methods the only payment method was my Chase business card ending in XXXX. I just want to know what it going on with my account and my money and where it is at..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MS To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX   ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX