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

Please be advised that CREDIT BUREAU is reporting the wrong address information on my credit report. Please delete this address : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that you are required to ensure the accuracy of my credit report. The problem that I'm facing is that I've found quite a few inaccuracies on my it and have pointed them out to no avail. On top of this, you've now responded with some sort of refusal to re-investigate my accounts! I can't figure out how this can possibly be legal. I may not be an attorney and I may not know the FCRA from top to bottom, but what I do know is that you are responsible for maintaining my information in your database. Part of this job is to ensure the accuracy of my data, because it impacts my ability to obtain and maintain credit with my current and future creditors! I know that you can't just tell me that you won't re-investigate when I tell you that these accounts are not reported accurately. The accounts listed below need to be re-investigated, as is my right under the FCRA : XXXX XXXX Acct # XXXX The date of this alleged late payment is XX/XX/2013 you did not legally verify this payment history - I need to see the proof or you need to update to paid as agreed Also please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete On report shows XXXX  on XX/XX/2013 Also please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete This account is older than 3 years from first date of alleged debt Also please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete XXXX XXXX Acct # XXXX The date of this alleged late payment is XX/XX/2013 This account is older than 3 years from first date of alleged debt please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete XXXX XXXX Acct # XXXX The date of this alleged late payment is XX/XX/2013 This account is older than 3 years from first date of alleged debt please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete The account was sold or transferred to XXXX XXXX XXXX Acc # XXXX and is Double reporting negative information which is a violation. 



XXXX XXXX XXXX Acc # XXXX re-age of account collection attempt its a violation and you must delete This account is older than 3 years from first date of alleged debt please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete XXXX XXXX XXXX XXXX Acct # XXXX The date of this alleged late payment is XX/XX/2013 his account is older than 3 years from first date of alleged debt please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Please HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a reponse. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately please help or I will have to file litigation.
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 XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, and 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

I made previous complaints to Midland Credit Management , IncXXXX to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never provided my wet signature proving I have done business with them. I'm demanding they send me the forward flow agreement.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. 1 in XXXX and 2 in XXXX. This is highly incorrect. 
XXXXXXXX  and XXXXXXXX  and XXXX. These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Auto Lease. 

The account XXXX XXXX XXXXXXXX XXXX XXXXXXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : + Equifax : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX XXXX : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ) with a group of friends. I authorized one charge of approximately {$580.00} on my American Express XXXX credit card. When I was leaving, I noticed my wallet was missing. I immediately reported it to the venue to let me know if they found it. The next day I found XXXX additional charges totaling approximately {$110000.00} on my credit card which had been stolen, along with my wallet and driver 's license. The venue had previously had my signature as well as all of my credentials in my wallet. I immediately called the venue to report the issue- they claimed they would get back to me but did not. I then reported the fraud to the local police department in XXXX XXXX. I also immediately filed disputes of the fraudulent charges with American Express. During the American Express investigation, I received a two sentence form demand letter from XXXX XXXX XXXX that threatening that I should not dispute the charges. I requested video from the venue but they refused to provide. American Express relied on fraudulent and forged " receipts '' in denying my claim and has now closed the dispute in favor of the venue. American Express is contractually obligated to protect me from this type of fraud but has failed to do so and this has caused substantial hardship to my family and I. It is clear that XXXX XXXX XXXX is running a scam of stealing patron 's cards, wallets, cash, etc. and then sending a standard form response to credit card companies like American Express when there is a fraud claim. American Express has now become complicit by approving this fraudulent activity.
Product: Checking or savings account

BB & T now Truist issued a no trespassing against me as a client over 10 years. They explained to me that the identification I used did not match the original signature card. Truist denied me access to {$5000.00} of my funds. The employees have colluded with the XXXX XXXX XXXX to issue me a no trespassing which is against BB & T/Truist XXXX XXXX to the branch XXXX. The following day I went in to pull out the rest of the funds with the XXXX and that was when the trespass was issued. The only reason why this information is valid is because I requested the body cam footage from XXXX XXXX XXXX, the twist come in where I called the regional folks from XXXX and they said none of this ever happened, they also didn't know I had the body cam footage. Please let me know how I can get the XXXX of Truist to understand what is going on. This has cost me millions in profits and XXXXXXXX XXXX along with false acquisitions against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed one claim with Transition about my XXXX XXXX card balance now being XXXX. They corrected it, but won't close the claim and they only allow one dispute at a time. My XXXX   XXXX ( XXXX ) needs to be disputed also because this also has a balance of XXXX and XXXX   said they reported it, but TransUnion has not updated the reflected balance of XXXX.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing my home. My lender was about to close and I was not able to, I recently checked My credit and it says on XX/XX/XXXX I added 15 accounts. 

The accounts added dropped my credit score XXXX XXXX. I need my credit score to be update to what it was in XX/XX/XXXX, the date prior to the the decreased points since I did NOT recently open these accounts and your system is reducing my points as if I just opened these accounts. 
Please see attached these accounts are old and not sure why they were just added to my EQUIFAX account. See attached XXXX XXXX account opened in XX/XX/XXXX and It was just added XX/XX/XXXX. THIS INCORRECT DATES AFFECTED MY CREDIT SCORE, Please increase my score to XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to your office reposrting all these accounts incorrectly.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX cell phone ( XXXX ) on XX/XX/XXXX, directly from XXXX through the Internet. I returned the phone to XXXX using their return label and dropped it off at XXXX on XX/XX/XXXX, at XXXX XXXX. I was informed by XXXX employees that they had received the phone, that I would be issued a refund, and that XXXX XXXX  would be notified so that I would not be responsible for making payments. XXXX should have notified their financing agency and placed a late payment on my credit file. I have started a dispute with the XXXX and XXXX bureaus and California 's state attorney 's office. I had just learned that this happened when XXXX XXXX and XXXX XXXX notified me that XXXX had placed a late payment on my file on XX/XX/XXXX. I have a good credit XXXX score and have never been late or missed any payments in the last 16 years. It is very upsetting that this has happened to me, a XXXX veteran and previous federal law enforcement officer. I am a senior XXXX XXXX XXXX, and XXXX is prying on XXXX  citizens. It's not fair for a company such as XXXX to do this and get away with it. The dollar amount in question is {$1300.00}. I refuse to pay for something I do not have, but I`m hoping to get some assistance in clearing this matter up. If I don`t clear this up soon, then I feel that XXXX will report this to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up on my prior complaint as I am unable to add documentation or edit said complaint. Once again I was on the phone with XXXX in order to rectify the derogatory credit rating that they applied to me by dropping my credit score by 66 points due to the Cares Act Mandated requirement to defer my loan. This was done without my permission. I am paid over one year in advance as well as began payments prior to the required time to pay the loan. I paid while my daughter was in school! I have never been late. I was once again put on hold with this company for over one hour ( I have phone records to prove this ) and finally hung up. It is quite clear that they have no interest in fixing any of this. Prior to requesting I be transferred to a supervisor as I was told that this would be looked into, I spoke to XXXX and she said that it was in review and that nothing could be done. I want my credit score to be what I have worked hard for it to be. I want it reinstated to the score it was prior to XXXX deducting 66 points and better as I have since paid off or down on more obligations. This is a direct violation of the CARES ACT it should not even need to be in review. I quote, " The CARES Act suspends student loan payment obligations through XX/XX/2020. During that time, borrowers ' credit reports are supposed to reflect the loans as if there was " a regularly scheduled payment made by a borrower. '' This requirement is also reflected on XXXXXXXX XXXX own website, which explained in a blog post that " the Department of Education will report suspended payments to the national credit bureaus as though they were on-time payments. '' Despite requirements under the law, public complaints from borrowers like lead plaintiff Mr. XXXX reveal widespread, improper furnishing and credit reporting. Specifically, borrowers whose loans are serviced by XXXX XXXX complain of their damaged credit caused by no fault of their own. Following borrower complaints, XXXX XXXX has publicly acknowledged its error. 

XXXX XXXX is the government student loan contractor that handles loans for more than 8 million customers and is the largest servicer of borrowers with federally held loans. Today 's lawsuit demands XXXX XXXX immediately cease violating the California Consumer Reporting Agencies Act. Today 's lawsuit also demands XXXX, XXXX, Equifax and XXXX XXXX XXXX immediately cease violating the Fair Credit Reporting Act, the California Consumer Reporting Agencies Act, and California 's Unfair Competition Law ... .. '' and it goes on this is from an article https : XXXX? XXXX. I would like this fixed no. There are absolutely no excuses. Shame on XXXX, EQUIFAX, AND XXXX XXXX! I expect this agency to do something about this truly. This is in direct violation to what the CARES ACT was  designed for. It is supposed to help not DAMAGE!
Product: Checking or savings account

Around XX/XX/2016, I deposited a check of XXXX into my Wells Fargo account and withing 24 hours the check was cleared so I assumed that everything was okay with the check. I did the money order on XX/XX/2016. I found out it was a scam after I had sent a money order out and Wells Fargo took the money out of my account when they realized the check was a scam. Wells Fargo sent a return reason as altered/fictitious on XX/XX/2016 after the check had already been deposited and cleared. It was only after the fact it was all gone did they decide to say it was fake. They did nothing to help me at all. In fact, the branch manager told me to take out a credit card to pay the balance because they would not take the loss. I tried escalating the claim several times to the higher-ups in Wells Fargo and they did nothing, but blame the XXXX year- old ( at the time of the deposit/scam ) for not knowing better. I tried for 3 months to get it resolved with them and they did absolutely nothing. A week prior to this I deposited a check from a federal bank which was immediately placed on hold and I had to show a receipt that it was legitimate. It made me extremely wary of anyone who gives a Wells Fargo check and now I always make sure if I potentially get scammed my bank will actually protect me. Because Wells Fargo did absolutely nothing to help me at all. My mom gave them the money so I could close the account. I have attached letters that I sent to the company, the company president and I post that I shared on the Wells Fargo XXXX  page.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2021 to Experian requesting the reinvestigation of the accounts listed below. 
XXXX Account # XXXX XXXX  - Card Service Account # XXXX I stated that these accounts are unverified and needs to be deleted. Till this date I have not received a response. I mailed out another letter on XX/XX/2021 demanding for the accounts to be deleted as it is unverified. I previously filed a complaint with the cpfb and it was closed stating that experian needed authorization. I called experian on XX/XX/2021 and they stated that my dispute is being worked and they dont need any authorization from me. This is a deceptive practice by experian to stall. 
Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These items needed to be deleted immediately.

My information was also impacted by the XXXX  breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, 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 # 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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Card of a hard inquiry on credit report that I did not authorize. Hard inquiries were done on the following dates : XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has no personal information or no data of the inquiry. I requested a letter from XXXX Card to change my credit report but I was told that since there was no personal information in XXXX XXXX data base, they would not be able to help me. I was directed back to the reporting agency but they will no correct this fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following allege account ( XXXX ) is listed as a collection with a PAST DUE BALANCE OF Account XXXX 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 



This is a violation of the FCRA and is also in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I went to Citibank and spoke to someon XXXX last year and they told me if I keep at least XXXX in my bank account I will not be charged the full of my service fee and I noticed they've been charging me for over a year now and I went up to XXXX and XXXX in XXXX Illinois and they told me to see him myself {$3.00} a month and that's all they would charge me and they still are charging me almost a full amount I want my money refund back to me because someone lied to me after they pat me put more money in my bank account because I don't have no direct deposit.
Product: Money transfer, virtual currency, or money service

Someone at Jpay/Chargeback cashed my money order for {$250.00} in XX/XX/2020 and did not post it to my intended person, XXXX XXXX XXXX, inmate XXXX. I have called several times from XXXX to XXXX and written to them. I sent them a copy of the cashed money order in XXXX and XXXX and no one has called me or written to me about my money. It has not been posted to XXXX XXXX account for commissary and it has not been returned to me. I have sent several payment to his account since this money order and there has been no problem. The money order was sent to chargeback by mistake and they took advantage.
Product: Credit reporting or other personal consumer reports

I signed up for this XXXX XXXX XXXX card. What a mistake. 

They charged me XXXX for the year - and they destroyed my credit. I paid all of my bills on time. One month, I returned a large item and I had a credit on my account. So the next month, I didn't need to pay. WITHOUT telling me, they sent me a check in the mail. Since I didn't check my account that month, and because they treated the check in the mail as a credit to me, my account was 30 days late. 

Citi bank will not help out. All three credit bureaus have done nothing to help.