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

I discovered multiple inaccuracies in my credit report, including an incorrect name, outdated addresses, inaccurate phone numbers, and other personal information that does not belong to me. Specifically : An incorrect address, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, is listed, which I do not reside at and can not receive mail. My only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The name XXXX XXXX XXXX appears on my report, which is incorrect. My legal name is XXXX XXXX. 
The following phone numbers listed on my report are not mine : XXXX, XXXX, and XXXX. My only phone number is XXXX. 
My year of birth is displayed on my credit report, which is unnecessary and poses a privacy risk. 
I suspect these errors may have been caused by identity theft or a data breach, which I have been a victim of recently. These inaccuracies have compromised my ability to monitor and protect my personal information, and I fear my data may be further misused. 

I contacted the credit bureaus ( XXXX, Equifax, and XXXX ) to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information on my report. Additionally, I cited the Fair Debt Collection Practices Act ( FDCPA ) as it pertains to misleading information being reported. 

Despite my efforts, the inaccurate information remains on my report. This lack of correction undermines my ability to protect myself from fraud and impacts my ability to manage my credit effectively.
Product: Money transfer, virtual currency, or money service

My gob father was trying to send me money to help our with my move, he ask me to get a Venmo account which is easy for him to send. I did and verify my account. He send a test XXXX $ and I was able to transfer that instant to my account. He sent me a XXXX $ that was on Friday morning. When I try to transfer the money, it keep giving me error. The only service that was available was to transfer via the 3 days transfer. I have a next day deadline. I talk to my property Managment and show them screenshots that I have my rent but I dont have access to it till the XXXX that yesterday. They agreed. Yesterday morning my friend send me XXXX , I couldnt do instant transfer either. So I did the 3 days transfer. To my surprise. That XXXX $ was in my account in less that 3 hrs. That worries me. I call and no body picked up. Email and a reply came saying the system flagged my transaction but if there is no problem. I will get it on the estimated arrival date that the XX/XX/2020. It didnt come. I call and text. Now they said 3 business days. I already miss my deadline to pay my rent ones. I tried to talk to them on the phone but they said there is nothing they can do, I have to wait for 2 to 5 business and I should not contact them. I have to wait for them to contact me. And now I received an email saving my account has been frozen for violating the agreement of Venmo. This is the 3 transactions with this service. What did I do wrong and this people are about to me lose my place. Get evicted. And When I was on the phone with the Venmo supervisors. He hang up on me when I told him. I will have to seek help to get my money
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX
Product: Debt collection

Harvard collection agency is trying to collect a debit do not owe. I reported this agency it came off of my credit report last week and now its back on. I have a collection agency, and they stated that it was from the government of Illinois I havent reside in Illinois for over 37 years I have proof that Ive been living in Florida I sent this information I sent this information to your company. It was taken off of my credit report last week and now they put it back on. Im very upset about this. I feel this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the colllection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or Items 1-13 are in violation of XXXX. 
I have reached out to you all communicating this issue. These inaccurate items are a misrepresentation of my character. 

Also I have attached a copy of my credit report as evidence that these items are inaccurate in misleading. The other bureus have already fixed these issues you all are the only bureus that have refused to cooperate. 
If this continues I will seek litigation.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ** Consumer Financial Protection Bureau XXXX CFPB XXXX Online XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : ** Formal Complaint Regarding Inaccurate Credit Reporting and Unresolved Dispute by TransUnion **Complaint Details : ** 1 . **Inaccurate Late Payment Reporting** - **Account : ** XXXX XXXX XXXX XXXX ( Installment Account ) - **Issue : ** TransUnion inaccurately reports a XXXX late payment for XX/XX/XXXX, marked with an XXXX XXXX XXXX ( Unknown ) status. This account was *paid on time and closed in good standing*. The erroneous late payment notation is harming my credit score and ability to secure loans. 
- **Supporting Evidence : ** - Payment history shows " OK '' ratings for all months except XX/XX/XXXX, which is incorrectly labeled. 
- TransUnions own remarks indicate the account is " Paid, Closed, '' contradicting the adverse XXXX late mark. 

XXXX. **Unresolved Dispute on XXXX XXXX XXXX XXXX XXXX - **Account : ** XXXX XXXX XXXX XXXX XXXX - **Issue : ** I previously disputed inaccurate information on this account. TransUnion claims the dispute was " resolved, '' but I disagree with their findings. The account remarks state : * '' Completed investigation of FCRA dispute consumer disagrees. " * TransUnion failed to correct the error or provide sufficient evidence for their decision. 

XXXX. **Unauthorized Inquiries** - **Examples : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Issue : ** These inquiries were made without my authorization. I did not apply for credit with these entities, and their presence on my report suggests potential identity theft or procedural failures by TransUnion. 

**Actions Taken : ** - I disputed the XXXX and XXXX XXXX account errors directly with TransUnion on [ XX/XX/XXXX ], but they failed to correct the inaccuracies. 
- I have attached copies of my TransUnion credit report ( File # XXXX ) and prior dispute correspondence for reference. 

**Desired Resolution : ** 1. Immediately remove the XXXX late payment notation from the XXXX XXXX XXXXXXXX account XXXX 
XXXX. Re-investigate the XXXX XXXX XXXX XXXX dispute and provide documented proof of their findings. 
XXXX. Remove all unauthorized inquiries from my credit report. 
XXXX. Ensure my credit report is fully accurate and compliant with the FCRA. 

**Attachments : ** - TransUnion Credit Report ( File # XXXX, dated XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Thank you for your recent response regarding the alleged debt associated with XXXX  XXXX. While you provided a copy of the contract between myself and XXXX  XXXX, this does not fulfill the requirement to fully validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, your response is missing proof that Columbia Debt Recovery LLC DBA Genesis has the legal authority to collect this debt. While the contract confirms a potential obligation to XXXX  XXXX, it does not establish : 1. That XXXX  XXXX assigned or sold this debt to Columbia Debt Recovery LLC DBA Genesis. 

2. A clear chain of custody or documentation proving your ownership or assignment of the debt. 

As the entity attempting to collect the debt, it is your obligation to prove that I owe this debt to you. Without this proof, your collection attempts lack transparency and are invalid. 

I request that you provide the following : 1. A document showing that XXXX  XXXX transferred or assigned the debt to Columbia Debt Recovery LLC DBA Genesis. 

2. Any agreement or documentation proving your legal right to collect on this alleged debt. 

Until this information is provided, I will continue to dispute the validity of the debt and your authority to collect it. Additionally, I request that all collection activities, including reporting to credit bureaus, cease until proper validation has been provided. 

Failure to comply with this request may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office. 
Stop obfuscating. Any attempt to do so will result in an FTC report, as you are in possession of my information despite my having no prior business relationship with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately.
Product: Credit card or prepaid card

To my knowledge, I was never late on my Capital One credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. Like even now my balance is {$0.00} because I make sure to maintain my credit properly.
Product: Mortgage

The lender took to long to approve the loan. I qualified but he/she took so long that I had to file XXXX extensions and I am now out an earnest money deposit.
Product: Debt collection

This is a a complaint Comenity Bank. I made an agreement over the phone to pay off a past due balance that was going to be settling the account meaning I would make two separate payments and it would be closed they took the money out of my bank account for {$150.00} on XX/XX/2023 the phone call agreement was made on XX/XX/XXXX of 2023. They are now refusing to honor this agreement and have sent me to collections who claims they have no knowledge of any of this. I expect to be refunded in total of {$150.00} and I also expect my account to be closed and settled and to never contact me again. If this is not done I will seek further legal action.
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. 

Account name : XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

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

I've called Experian Dispute Center via telephone number XXXX on Monday, XX/XX/2021 at approximately XXXX EST and Talked to a Specialist by the name of XXXX XXXX 

I've asked XXXX, how Experian scores are calculate and how it arrives at XXXX XXXX score on my report, when both XXXX and XXXX are showing a XXXX score of XXXX and XXXX  respectively. I asked her, how could the scores are so far off when the other Credit Reporting Agencies has the same information! The specialist couldn't provide an answer nor a specific link from its own website. And when I asked to be transfer to a Supervisor or a Manager, she just said " there's no one to speak with besides me ''. 

Furthermore, I asked her if debt to income ratio is under 4 % and my credit utilization is under 3 %, how do you explain such a low score.
Product: Money transfer, virtual currency, or money service

Last night, ( XX/XX/23 ), I tried to use my credit card to make a payment to someone for household goods. The payment was denied. This morning I tried again. At first the payment went through and everything was fine, but then PayPal reversed the payment. And then I received a notice that my account was permanently restricted, and that I could no longer use it. I have no idea why. 

I tried to find out why, but kept getting sent back to the same page that says my account is restricted and I can no longer use it. There is no way on the website that I can find out why my account was restricted, and no way to dispute it. I've had this account for over 20 years. 

I currently have some money in my account that they won't release for up to 180 days. I need that money! One of the reasons I was trying to make a payment with my credit card, is because I need a furnace, because mine is broken. My house is very cold right now! There's some other items that I need for my home that were included in the payment I was trying to make, which was {$3600.00}. I was trying to use my credit card, because I don't have that amount in my checking account. 


Thank you, XXXX XXXX PayPal email : XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report as soon as possible.
Product: Student loan

XXXX Student Loans has given put my loan under the servicing of Firstmark Services. This is the first month that my payment is due to Firstmark Services. I took steps to set up auto-debit immediately. The payment was n't autodebited for some undetermined reason. It is now the fifth business day since the payment was due. I was unaware of the issue until today. I am aware now because I received the following phone calls from Firstmark Services : XXXX ; XXXX ; XXXX ; XXXX - during my work day, while I was already on the phone. I received no message from this number calling. This is a completely harassing way to communicate a simple issue.
Product: Mortgage

My mortgage servicing company is XXXX. My escrow was due to be paid on XX/XX/XXXX. It was not paid. My insurance broker from XXXX XXXX called the company to find out what was happening as my taxes and insurance come out of my monthly payment. They told him they sent the escrow check out to XXXX on XX/XX/XXXX. Today I received a letter from XXXX dated XX/XX/XXXX stating they had not received my payment and would cancel my policy if the payment wasn't received by XX/XX/XXXX. I spoke to the customer service dept at XXXX and also went online to my account and found that the escrow payment was sent out XX/XX/XXXX. I asked the representative if that payment would arrive at the insurance company by the XXXX of XXXX and she stated it would. However, with the state of the USPS, my insurance representative thought it best to give me an extension. 

I pay my mortgage bill on time and I expect that the money to complete my taxes and insurance will be sent on time. 

In all the years I have had mortgages not ONCE have I had to explain to my insurance company why the payment is late
Product: Checking or savings account

Fraud occurred XXXX XXXX XXXX {$700.00} check fraud. I bank w/ Bank of America for 20 years. ( 3 months in ) and they failed to send me the bank affidavit form/doc. so I can file my police report. Never received a status update either. I keep calling the fraud dept. and nothing has been resolved. The local branches by me are closed and do not offer this service. This is handled by the back office. Never mailed me the bank affidavit. UNACCEPTABLE!
Product: Mortgage

I need assistance to resolve my request regarding excess escrow funds for a paid mortgage. 

I have requested PNC to reissue a check in the amount of {$960.00} payable to XXXX XXXX replacing the original check issue/payable to XXXX XXXX XXXX borrower who is now deceased ) I have had multiple interactions with customer facing customer service staff and have ultimately been unsuccessful in escalating the matter to a manager/officer to review my request and resolve the issue. Of note, I did have one exchange on XXXX with a customer service XXXX who identified herself as XXXX ( sic? ) who reviewed the matter with another XXXX and told me PNC would override their system and a check payable to me would be issued. When I followed up on the status of the check on XX/XX/XXXX I was told by Customer Service and Escalation reps that I first needed to complete the Successor in Interest requirements before they could assist me with any confirmation/information. 

I am trapped in PNC 's process/procedure to establish me as a XXXX in XXXX before reviewing my request. According to multiple form letters, PNC states : " A successor in interest is an individual who receives an ownership interest in a property securing a PNC mortgage ... '' PNC no longer has any interest in this property. The mortgage is PAID IN FULL. 

I have submitted multiple documents establishing the death of my mother ( the borrower ), my joint ownership of the property since its purchase, my role as her son and joint owner of all her assets ( property, bank accounts ), and transactional documents supporting payoff of the loan. 

My request has not been resolved and PNC has closed the ( wrong ) request as of XX/XX/XXXX due to incomplete information to determine my " Successor in Interest Request ''. 

The particulars of this matter and all documentation and email communications provided by me are with PNC : Mortgage loan number XXXX PNC customer service case number : XXXX I appreciate a review by PNC and resolution I this matter.
Product: Money transfer, virtual currency, or money service

( Block, XXXX ) due to inadequate customer serviceland XXXX XXXX XXXX XXXXXXXX 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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and XXXX and Equifax reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.