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

I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XX/XX/XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the XXXX XXXX, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX This act states that I have a right to privacy and that a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account is seriously concerning. It's already led to a loan denial and higher interest rates. This is causing me severe financial and emotional stress until resolved.
Product: Credit reporting

My wife has a XXXX XXXX XXXX sky miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Debt collection

We have been harassed by " XXXX XXXX XXXX '' for the past 6 months from a so-called debt that was written off over 8 years ago. They have failed to supply us with any kind of validation letter regarding how much we owe, however, it has recently popped up on both of our credit reports. We want it removed immediately.
Product: Mortgage

Received a property tax refund from my county for last years taxes. Check has been deposited into my escrow account and loan servicing center will not return this to me. Escrow balance is currently over the amount i owe for the year 4 months into the year
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX : 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 to 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 card or prepaid card

On XX/XX/XXXX I got my account statement with an interest charge of {$78.00}. For the XXXX statement my pending balance was {$6000.00} which was paid in full on XX/XX/XXXX which is well before the due date of XX/XX/XXXX. This included the interest for my last month 's missed payment already. 

I checked with the citi representative on why I am being charged interest for the previous month 's balance when I paid it in full and before the due date and this is what I got in response - " When the statement balance is not paid in full, interest bills that month based on the daily interest accrued for that billing cycle. Then, on the following billing cycle, the remaining interest charge is billed. The remaining interest is the amount that accrued from when the last statement cycled until we received complete payment in full again. We require two consecutive payments be made in full on time for interest to stop accruing. '' This is when I learnt about Double Cycle Billing and also learnt that this is prohibited since the credit card act of XXXX. 

This is an unfair practice which is still being carried on without proper knowledge of the consumers since these terms are not published clearly and buried deep in the agreement. 

I urge the government to please take necessary action against big companies which keep on extorting money.
Product: Vehicle loan or lease

I have an auto loan with Credit Acceptance a second chance finance company. I get harassing phone calls from them every month. They call the day after the loan is due and I tell them that I will pay this loan on the XXXX Friday of every month. Then the turn right back around and call me every day. I mean every day to ask what day I will be paying the loan and can I borrow the money from someone. That's disrespectful especially to someone whose told you what day the payment is going to be made on. Also, it's just plain old rude as heck. 
I have even asked if they could move my due date closer to the XXXX Friday of the month so I don't have to go thru this with them. Please help me get some relief from this creditor. I have never been harassed like this before. I pay my bills and I have a set order everyone gets paid in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX   tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to UPDATE ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to UPDATE any ITEMS or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again. Below the Innacurate Items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I REQUESTED THE FULL REMOVAL OF ALL FRAUDULANT INQUIRES, ACCOUNTS, DEROGATORY CREDIT MARKS RELATED TO MY CREDIT FILE. I HAVE FILED A CYBERCRIME REPORT WITH ALL LAW ENFORCEMENT AGENCIES, AS WELL AS THE FBI AND REQUIRE ALL FRAUDULANT ACTIVITY TO BE STRICKEN EQUIFAX : 1 ) I DID NOT AUTHORIZE THE CREDIT INQUIRES FOR ANY OF THE COMPANIES THAT ARE ON MY CREDIT BUREAU 2 ) I DID NOT APPLY, RECEIVE, OR USE ANY ACCOUNT RELEATED TO THE UNAUTHORIZES CREDIT INQUIRES 3 ) I HAVE FILED IDENTITY THEFT REPORTS WITH ALL LAW ENFORCEMENT AGENCIES AND THE FBI AS REQUIRED BY LAW
Product: Credit reporting or other personal consumer reports

I sent them a debt verification affidavit and they didn't respond. ( Please see attached )
Product: Credit reporting or other personal consumer reports

have requested a letter about settlement agreement and a letter noted when payments have been made and when settlement has been satisfied through email and mail ; neither of these documents have been sent to me through requested format. Instead, I was given the unclear answers on the phone and my last settlement payment ; however, Chase Morgan is still reporting my account as charged off and with the incorrect balance according to our settlement agreement. The inaccurate and unlawful incorrect reporting has been detrimental to my credit report and credit score from XXXX, XXXX, and XXXX. 

Accounts inaccurately reporting are the following : JPMCB Card Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, Ally, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from Ally about removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach has put my identity and credit score at risk. Based on a search on their site, I may be impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The XXXX  XXXX XXXX dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XX/XX/2019. This data was sent to XXXX, Transition, and XXXX  but the charge offs and account matters are being reported despite the court dismissal.
Product: Credit card or prepaid card

Sometime in XXXX  XXXX my Amex account was incorrectly charged for {$1100.00} by XXXX XXXX and I initiated a dispute accordingly for this transaction with Amex. Balance was cleared and everything seemed to be fine. However, today I got an email stating that the account once again has {$1100.00} balance. I no longer have access to online management for this account so I can't verify what actually happened here, but the {$1100.00} balance is incorrect and should be credited. I have attached a screenshot of this email to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LOOKED OVER MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES AND ALSO FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES AND NEGATIVE ACCOUNTS HAVE CAUSED SO MUCH HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA WHO WAS ABLE TO DO THIS AND HOW IT WAS DONE. I AM CERTAIN THAT THE INQUIRIES AND NEGATIVE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. MY CREDIT HAS BEEN DAMAGED BY SOMEONE WHO STOLE MY IDENTITY AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and found numerous credit inquiries that i didnt make. My report has multiple versions of my name and multiple out of state addresses. I have lived in XXXX XXXX, Maryland for 20 years at the same address. I will attach documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting

My only correct address on my report is XXXX n.y XXXX I resided there since 2001. Also no correct employment is on my report, I have worked for XXXX from XXXX to XXXX. Now my employment is XXXX XXXX N.Y XXXX
Product: Credit reporting

I had an account with XXXX XXXX Bank, XXXX XXXX bought it as a delinquent account, and they took me to the local Magistrates office to recieve payment, he awarded them just over {$1100.00} and they say I owe {$1500.00}. I sent the info to Equifax to correct it, and remove it from my credit, I recieved a paper back stating that it was correct. I sent all the paperwork proving it was incorrect, including the magistrates paperwork, and they did not correct it. I am now filing a complaint with your office to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraudulent activity on my credit. I have a FTC REPORT NUMBER XXXX. For two accounts. XXXX XXXX ACCOUNT # XXXX and XXXX Account # XXXX. Both accounts have been removed and or block by other CRAs. But your company Equifax has lied and stated account verified. How dare your CRA breaks the law and not block these accounts immediately. All Fraud must be remove that is the federal government law. No if and or buts about it. But its not a surprise your company is openly breaking the law. This is the same agency that leaked millions of Americans information. If your CRA does not block these accounts immediately I will be filing legal action against your company immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
Product: Credit reporting or other personal consumer reports

My submission is to urgently request your assistance regarding a 30 day late reporting credit entry that has recently appeared on my credit report by XXXX XXXX XXXX. This matter is of critical importance, as it has the potential to disrupt the business credit lines I rely on to rebuild and recover from the devastating fires in XXXX XXXX. 
In XXXX, as the fires were ravaging the XXXX XXXX area, where I live and work, I reached out to a XXXX  representative via phone and written correspondence to explain the fire situation happening in XXXX XXXX and the evacuation notices : both my home and business were significantly impacted by the recent fires. At that time, I was assured that my account would not be reported as late due to the disaster, and I was granted additional time to manage my payments. Following this communication, I did not receive any further calls or notifications from XXXX regarding my account status or any potential delinquency so I would not have suspected my account to be heading into delinquency. It was recently discovered that XXXX 's internal system did not match the phone number that reflected under my profile information which explained the issue with no phone calls. On XX/XX/year>, I received a credit monitoring alert notifying me of a XXXX point drop in my credit score. I immediately submitted full payment for all amounts due through XX/XX/year> and frantically made calls to XXXX to find out how this happened. Despite the daily efforts regarding this urgent matter, the late reporting remains on my credit report, which could severely jeopardize my ability to access the credit necessary to restore my business operations and continue my recovery efforts after the XXXX  fires. 
I kindly and urgently request your assistance in having this late reporting removed from my credit report as soon as possible. Your prompt attention to this matter is crucial, as it directly impacts my ability to rebuild my business and move forward from this challenging period. Thank you for your assistance.
Product: Debt collection

Resurgent Capital Services is sending fraudulent documents to XXXX XXXX, which is not me. They are conducting mail fraud with these actions as well as contract fraud, racketeering, and copyright infringement. 

I have repeatedly asked them to purge their records and the request is blatantly ignored.
Product: Mortgage

My Mom passed away and we are trying to close her account with CITI home equity the loan was paid off last year we keep getting bills for {$650.00} i think they are fee 's from the company I have tried for days to reach someone there are no branches in the area and when i got a offshore person they told me to go to a branch Please help me close this loan and stop them from leading in Massachusetts because there is no one to service the loan
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do nonrelated to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Commonwealth Financial Systems reported a medical collections account in the amount of {$1500.00} to XXXX without notifying me of the debt and giving me an opportunity to dispute or validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax along with proof to validate my claims. I have also written to you several times about Equifax reporting practices. I have now on the most recent file they sent me a incorrect address, Public Record, and two items from a collection agency. I have sent letters proof and made phone call to them on XX/XX/2018 and they have failed to correct the errors. On XX/XX/2018 my report listed six collection agencies with no Name of the original creditor and several of them with a XXXX  amount. I sent in a copy of the letter where from the state where the account was paid in full to the original creditor. I asked them to send me who, what, proof of how they verified the Public Record. This Florida address is new because that was not on the report they sent two weeks prior. Enclosed is another letter I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a text on XX/XX/16 demanding I click on a link. I don't know who they are or who they represent and I'm not comfortable clicking on a strange link. They contacted me and have not validated the debt of their own accord as they are obligated to within 5 days.
Product: Mortgage

I was marketed to by XXXX XXXX XXXX XXXX about getting lower rates on the mortgage. The marketing email did not have any place on the email where I can opt-out of solicitations or asking me to unsubscribe. I have asked this company and loan XXXX in the past to stop marketing to me. In addition, the marketing email did not have equal housing lender anywhere in the email. I want him to cease and desist from all marketing emails.