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

A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CHXXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that XXXX uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that XXXX XXXX, and Transunion file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court,  that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. Thank you
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.

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

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

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

I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately. I have reached out to all creditors as well. 

XXXX {$250.00} XXXX {$230.00} XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, we must eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts are incorrect, causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX months ago, I noticed that the name " XXXX XXXX '' was being reported on my XXXX XXXX account by XXXX. I took the initiative to request the removal of this name, and they successfully removed it. However, in XXXX, I faced a denial for a bank account due to ChexSystems. Upon obtaining my report, I was surprised to find that the name " XXXX XXXX '' is still being reported, either by XXXX or XXXX XXXX, or both. This misinformation is not only inaccurate but also illegal, as it's negatively affecting my financial opportunities.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXX/XX/XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXXXX/XX/XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX
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, credit repair services, or other personal consumer reports

On XXXX I submitted letters to regarding inaccurate and unknown things on my credit report. To this day over 60 days later I haven't received a response yet. I feel like I'm being ignored and my disputes are being ignored. Section 611 ( a ) it states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report it has been over 60 days so the should be deleted promptly. I demand these items be deleted immediately or I will file for litigation for the stress and anxiety this is causing me. My information was also impacted by the XXXX data breach and may have gotten in the hands of the wrong person.
Product: Checking or savings account

I am a member of Navy Federal Credit Union and have been for 10 years. A member transferred money into my account and reverse the money. Navy states that I was the one who initiated the transfer and I gave the member my access number she did not provide me with hers. They are closing my account. I have several accounts with navy and I want to resume my business relationship with navy. They stated they have a voice recognition but did not provide me the evidence.
Product: Credit card or prepaid card

XXXX XXXX - XXXX XXXX location in XXXX, WA signed me up for a credit card I never agreed to. As every time a credit card application is submitted, a hard pull against my credit is likely to be shown within the next couple cycles in my credit score. They are committing fraud, and identity theft against the federal consumer compliance violation laws. I called the store manager multiple times but they never returned my phone call. Plus, it was my rental dwelling unit that I was getting appliances delivered to from the store & whoever signed me up thought I actually live at that address and sent the card there. They committed fraud with the wrong information. How ridiculous
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 an effective measure to prevent and address fraud on their platform, leaving my accounts vulnerable and unprotected.Further more, 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

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I don't know how this company has attached these accounts to my XXXX report but i need it removed. like yesterday i have enough stress in my life i dont need anyone else debt being tacked on to mine! i contact LVNV and sent letters informing them of the mix up and they didn't reply. Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/XXXX  Account Balance : {$1900.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/. 
Account Balance : {$1000.00}
Product: Debt collection

Khols still has a charge off on my credit report even after paying them And Im still receiving phone calls from collection for a paid off debt and my report says in collections which is reporting wrongly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Product: Debt collection

There is a collection account in the amount of {$9700.00} showing on my XXXX credit report from XXXX XXXX  XXXX. I have submitted an Identity Theft Affidavit to them and followed up with a phone call to them. I was assured it would be removed by XXXX XXXX, 2017. It still has not been removed. It has been 2 months I have been disputing this account as a result of Identity Theft. XXXX XXXX XXXX does not care to remove this harmful account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these accounts will be corrected. 

XXXX/DEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Product: Credit reporting or other personal consumer reports

please delete all the negative accounts in my report it's incorrect please make an action now! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I did not apply for a wellsFargo Credit card back in XXXX I went into the bank and spoke with a representative about this issue. I did not authorize However they send me a record of the application and reference number and we still going back and fourth and I did not tell no associate nor bank representative my mother / grandmother did anything this is absolutely unacceptable. It really XXXX me off because she been deceased since XXXX. Yes Wells Fargo showing me documentation but at the same time how about show pictures/ or the voice recording of the conversation that me and the bank representative had. Any body can present documents However still does not justified the fact that the credit card was fraudulent!!!
Product: Vehicle loan or lease

Regional Acceptance is not applying my payments correctly. They have not applied a payment towards my principal since XX/XX/XXXX causing more interest charges to build up. They claim it is because I have been late but even when I made my payments on time they did not apply any monies towards the principal. They have also recently misapplied my payments to credit the wrong month which lets them charge me even more in fees and they are not giving me monthly statements so they can hide more fees they are tacking on. I never received a statement for XX/XX/XXXX and XX/XX/XXXX. I made a payment on XX/XX/XXXX that was credited towards XX/XX/XXXX payment that only interest was paid which would have left me to owe XX/XX/XXXX and XX/XX/XXXX. I paid {$350.00} for the XX/XX/XXXX payment on XX/XX/XXXX and {$400.00} for the XX/XX/XXXX on XX/XX/XXXX. They are still saying I owe for XX/XX/XXXX and when I reach out to them and show them proof of payment they do nothing. Please see attached documents.
Product: Credit card or prepaid card

The Payment of {$500.00} was sent directly from my bank checking account on line to Barclays Wyndham Visa credit card on XXXX to receipt on XXXXwhich their bank XXXX XXXX cashed. Barclays 's is denying receipt of such payment. Now after several months of calls and sending proof of the payment by fax and regular mail, they are still charging me the same {$500.00} and now they have including penalty fees and are threatening my credit. I'm worried they are trying to damaged my. credit and they are robbing. Please help me. I have tried and tried to solve this impossible stressful issue.
Product: Bank account or service

This is added to complaint number XXXX. Evidently, someone changed my overdraft protection which caused a alleged NSF ( not sufficient funds ). This caused a major problem but I still have n't received notice of this. I do n't believe in consequence, Someone from the IRS at the last minute to deny my tax refund due to the four years use of the Hope Credit. The problem is that I never used the Hope Credit because it does n't apply to me. Due to the NSF my check for rent was n't accepted for XXXX XXXX XXXX and suddenly under time they want to remove me even with funds available. I do n't believe that this fraud can be just happening and you still have n't received an answer from Huntington Bank.
Product: Credit reporting

After being on phone with Experian, verifying an account they said ( I do not have ) but do!! Membership ID # XXXX and my account opens a window with my name but they said you have account but NO INFO!!? Insane!! at XXXX years old and an XXXX holder for 20 years with Platinum status, with XXXX other major credit cards, Experian says I have NO REPORT!! Then says there 's a freeze on account I 'm not aware of!!?? This insane Company holds me hostage! with False reports and saying I have No account but that its FROZEN!?? I want legal damages and criminal report filed against EXPERIAN! for Hostage on Financial info it says it does n't have and I can not move forward in my Mortgage process. CORRUPTION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Debt collection

Called first XX/XX/2017 Specifically requested they do not call me ever again and to send validation of debt, she refused, repeatedly attempted to coerce me into giving more information. Told them not to and that I would ONLY deal with them by mail/email. Sent email and fax as written notification to cease all telephonic communications Called again XX/XX/2017 at XXXX XXXX, called back told them to cease and desist calling me. Sent an email to a XXXX and a VP requesting they cease and desist all telephonic communications Called again XX/XX/2017 @ XXXX, called back again requesting they cease and desist, informing them they are now doubly in violation of the FDCPA. Representative kept insisting " well I am a completely new person ''. This is not my problem, as any of them represent their company and are thus equally liable. Again, attempted to coerce me into a conversation after I repeatedly stated, " I do not deal with third party debt collectors, do not call me again ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.