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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recieved a cold call from Quicken Loans. I am on the Do Not Call List. The call came at XXXX on XXXX XXXX from XXXX. When I returned the call I was transfered to a " closing specialist '' and put on hold. I was unale to hold long enough for anyone to answer and ask them why they were calling. 

I do not currently have a morgage or any other kind of loan with Quiken or any other Loan company.
Product: Credit card

I purchased XXXX flight tickets on American Express Travel on XXXX. 2 months later my plans changed, I went on the website and it said the tickets are returnable for a full credit with XXXX XXXX. I returned the ticket but then couldn't buy a new ones unless I called American Express customer service. Upon speaking with them, they kept referencing my ticket policy which I was not aware of nor was I provided with at any time. I couldn't use my credit to buy tickets from XXXX as they insisted it's American Express who holds my credit. American Express Travel wouldn't let me buy tickets from XXXX because the flights I chose were operated by other carriers yet they were listed on XXXX as flights with the company by XXXX After XXXX hours on the phone I was informed that if I don't redeem my credit by midnight I would lose it!!! That was also told to me by " coincidence '' as the customer service agent was referencing the policies which I was not provided at any time when I purchased the tickets nor when I returned them through the website nor ever. Also the alternative tickets showed online for a price but I had to buy them through Amex at an even higher rate because they'd do a buy up. When I asked what that meant I wasn't given information. I was forced to pay an excessive amount so as to not lose my credit and they ruined my travel plans with their opaque malicious undisclosed policies! nowhere on my itinerary nor when I cancelled did it say I have to pay a buy up fee, or that the refund credit would only be available on select flights. it simply said this ticket is returnable for a FULL CREDIT WITH XXXX! This was not the case. I demand a refund of my points stolen from me by American Express through a malicious treatment consisting of lack of disclosure of policies. Even when I requested to be provided with the policies referenced, it was denied. 
SHAME on XXXX with their intentional predatory practices of withholding information and stealing over XXXX points in this transaction! Also for eating up XXXX hours of my Saturday!!!!!!!!!! XXXX hours on the phone! Despicable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX XXXX : Account Number XXXX To Whom It May Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.
Product: Credit card or prepaid card

I had issues making payments on the following dates XX/XX/XXXX, XXXX XXXX XXXX, XXXX & XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX due to payments not going through when I had them on auto-bill. They never notified me of this rejection and gave me these late payments. I can not get a mortgage because of this negative history on this credit card. I reached out to the company and they will not help me with this unfair solution.
Product: Money transfer, virtual currency, or money service

I was scammed {$6000.00} in a romance scam. The individual had me wire him money to XXXX different accounts in XXXX and invested in crypto
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have noticed that some information related to these accounts is outdated or incorrect, and I would like my report to accurately reflect my current financial situation.
Product: Checking or savings account

On XX/XX/year> I received new dept card from XXXX XXXX  someone open new account and use all my personal information I called the bank and knew was someone use all my personal information throw the phone and open the account, I closed this account with bank On XX/XX/year> someone used my account number and routing number from my XXXX  XXXX XXXX and stolen XXXX $ XXXX make a claim and the bank changed the account number
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX  - {$540.00} XXXX XXXX XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries affect your credit score typically weighing it down to a negative impact ;
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccuracies on my credit report, specifically regarding accounts that have been incorrectly marked as late payments, as well as inaccurate personal information. After thoroughly reviewing my records, I have confirmed that these accounts were, in fact, paid on time, and the reported late payments are erroneous. Additionally, my credit report reflects incorrect personal details that need to be updated or removed. 

These inaccuracies have had a negative impact on my XXXX score. Under U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payments, I have the right to a fair and accurate review of disputed information on my credit report. Therefore, I request that these errors be thoroughly investigated and that the late payment status be corrected to accurately reflect on-time payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I purchased a vehicle from a XXXX XXXX in XXXX, TX. A few weeks after I purchased the vehicle I was contacted my XXXX  saying my payment was more than I was told at the dealership. I also noticed on my credit report it was saying I was employed at XXXX which I have never been. I ended up going back to the dealership to have my vehicle serviced and was told by the salesman that the finance office created fake documents saying I was employed with XXXX so that I would be approved for the loan. When I began to fall behind on my payments I contacted XXXX and tried to tell them the situation and ask for help and they refused to look into the matter any further. The vehicle was repossessed in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the actions of several accounts that have violated my rights under the Fair Credit Reporting Act ( FCRA ). The specific accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been violated in the following ways : Right to Privacy : As stated in 15 U.S.C. 1681 section 602 ( a ), I have the right to privacy regarding my credit information. These accounts have failed to uphold this right, as my personal credit information has been mishandled or improperly disclosed.

Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a credit report without my written instructions. Each of the above-listed accounts has reported information about my credit without obtaining my explicit written permission, thereby violating this provision of the FCRA.

These actions have caused me significant distress and have potentially impacted my financial standing. I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to ensure that these companies comply with the FCRA.

Enclosed with this letter, you will find copies of relevant documentation supporting my claim, including credit reports and correspondence with the aforementioned companies.

Thank you for your prompt attention to this matter. I look forward to a resolution that ensures my rights are protected under the FCRA. Should you require any additional information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, Pa XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, TransUnion, Equifax I am writing to formally dispute an inaccuracy on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically, I have identified incorrect information regarding [ Creditor Name ] that appears on my report. 

The inaccuracy is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The report lists this account as [ charge-off/collection/late payment ] with a last payment date of [ incorrect date ] and/or an incorrect balance of [ $ XXXX ]. However, according to my records, [ correct information, such as payment was made, balance was different, or account was never delinquent ]. 

This incorrect reporting is in direct violation of : 1. 15 U.S.C. 1681i ( a ) ( 1 ) The credit bureau must conduct a reasonable reinvestigation of disputed information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) If the disputed information is incorrect or unverifiable, the bureau must correct or delete it.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) When a disputed item is found to be inaccurate, incomplete, or unverifiable, the credit bureau must promptly delete or modify it and can not reinsert the incorrect data unless properly verified. 

I request that this inaccurate information be corrected or removed immediately. Please complete the reinvestigation within 30 days as required by law and provide me with a written confirmation of the resolution. If the furnisher of this information can not verify its accuracy, this item must be deleted. 

Enclosed are copies of relevant documents supporting my claim. Please update my report and send me a corrected version.
Product: Credit reporting or other personal consumer reports

I have some accounts on my credit report I have filled multiple complaints and asked the to send verification on how they validated my account and have not received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding the incorrect account being listed on my credit report. This issue has hurt my reputation as a customer, and I need your help. These accounts are being reported inaccurately and negatively, and I want them removed.
Product: Debt collection

Received mail notification on XX/XX/2019. Alleged debt from the U.S. Department of Education, student loan, in the amount of {$46000.00}. 

I have never had a student loan from the U.S. Department of Education. 

I have not attempted to contact the debt collector, Credit Adjustments , Inc. due to the fact I think this is a scam.
Product: Credit card

I was a sears credit card holder for over 25 years until today. 2 years ago i moved, and requested an address update with my new mailing address. I use an auto-debit payment to pay my bill, and never really gave much thought to it until i was in sears recently and for the 4th or 5th time, again requested an update to my mailing address. I finally got my first statement today, after 2 years ... to see sears has been charging me a " Late Fee '' on every month for at least a year, more likely longer. {$37.00} a month, hidden and blamed as my auto debit posted to them on the XXXX ... .1 day after my due date. could n't see this, they would n't fix my address, Customer Service refused to take these unreasonable fees off my account, leaving me with only 1 option. Close the account and start complaining to outlets like this to try to get it resolved.
Product: Credit card or prepaid card

My subscription to Macys Credit Card have hit hard on my impeccable credit scores due to careless errors by Macys team. My shopping bills in XX/XX/XXXX at Macys was charged to the credit card on a spot approval & subscription at the store itself. Firstly, Macys have failed to deliver the credit card and the statement, which I received only in XX/XX/XXXX after I have made the full and final payment on XXXX XXXX, XXXX. 

If it werent for not receiving the credit card statement, Id have an excellent repayment record. I have cleared the dues on XXXX XXXX, XXXX on the same day of receiving my lower credit score information, while consulting for a bank loan. Despite Macys customer care informing me the card has been cancelled, they have charged for non-usage of the card in XX/XX/XXXX statement. In spite of requesting for a statement on XXXX XXXX, XXXX with no response until XXXX XXXX, XXXX, I have personally visited the store on XXXX XXXX, XXXX to inquire. They informed me the balance is nil and issued me with a print out at the store. 

The initial amount was {$230.00}, while my payment was for {$400.00} due to the above mentioned details. It is unreasonable to have found from Macys customer service department that my credit card and statements were dispatched to wrong address and no email statements and text message alerts were sent to me either. The errors from their offices have made me land on a lower credit score of  XXXX in XXXX, XXXX from XXXX in XX/XX/XXXX, in spite of having maintained a spotless record of on-time payments. 
( Please review attached supporting documents )
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " XXXX XXXX XXXXXXXX ", Im demanding it be blocked and immediately removed from my file. There's no agreement with either company, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 

1 ) XXXX XXXX XXXX
Product: Vehicle loan or lease

I co-signed with my son on a vehicle loan and the vehicle is in his possession and he makes the payments. On Monday XX/XX/XXXX, I received a credit report notification of a late payment on my Wells Fargo account for the months of XXXX and XX/XX/XXXX which needs to be corrected as I was not notified of a payment that was past due. I submitted a dispute in regards to the credit report of a late payment of 60 - 90 days because I was not made aware that the payment was late. Wells Fargo disputes this and claims I was notified by mail and phone. Wells Fargo changed the account address in XXXX of XXXX without my knowledge or approval and I did not receive account statements between XX/XX/XXXX through XX/XX/XXXX They claim the address change was received by the United Postal Service. I did not request this address change and I have not changed my residence address. On XX/XX/XXXX I payed the amount due and requested that Wells Fargo correct my address on the account. However they refuse to correct my credit report to reflect no late payments in XXXX although admitting they changed the address the statements were being mailed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have sent out my request to have this items blocked from my credit report as i am a victim of identity theft. I clearly stated that in my FTC report with all the information that i gathered. i have never opened this account nor have i benefited from this account i never obtain goods or service from this company called XXXX please see attached documents
Product: Credit reporting or other personal consumer reports

I was taken to Court by Mariner Finance to pay a on a defaulted personal loan. After entering into an agreement with the attorney for said company I have been making monthly payments in the amount of {$200.00} a month every month. Since entering said arrangement I have being making every payment as agreed. However, creditor is reporting payments as late payments on my credit report on original account. I have disputed this with credit reporting agencies and they have filed to obtain proof of such from creditor. This has been negatively affecting my credit.
Product: Mortgage

In the last week of XX/XX/2021, I received a letter from my mortgage company, XXXX, stating that my mortgage was being sold to Freedom Mortgage, and that all payments would need to be directed to the new mortgage company starting XX/XX/2021. I paid the mortgage payment to Freedom Mortgage on XX/XX/2021. When my loan was moved to Freedom Mortgage, my XXXX statement said that my escrow account balance was {$4000.00}. I checked my Freedom Mortgage statement on XX/XX/2021, and my escrow account is now at {$1400.00}. There have been no taxes, insurance, or any other payments made ( they are not currently due ). 

I called Freedom Mortgage on Tuesday, XX/XX/2021 and asked them why my escrow balance is now almost {$3000.00} lower. They put me on hold multiple times without answering my question and then hung up on me. I called again and was again put on hold. Finally they told me " a check was sent to me. '' I never received a check. They will not provide me with any further information. If a check was sent, why can't they give me a tracking number for it? 

Today, Wednesday, XX/XX/2021, I received an online message on their customer portal stating that they are going to start an investigation into my question. This still doesn't answer my question. Where is my {$2900.00}? If they really are sending me a check, why did they not send me an email, call me, or send me an online message? 

I am greatly concerned, because this is my money that has suddenly vanished. Freedom Mortgage has been awful in communicating with me.
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. The 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

For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, Equifax and XXXX  and none of these companies are providing verification or validation of any of these items within the legal time allowed.
Product: Credit card or prepaid card

I opened amex gold card because of XXXX welcome bonus advertisements. 
when I received it, I confirmed XXXX welcome bonus and all requirements. 
I spent more than {$3000.00} as required. and amex said I am not eligible to get welcome bonus. 
if they gon na give or not situation, they should not advertised for welcome bonus. 
their advertisements shows anyone who can get this card will get welcome bonus as promised.