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

PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX XXXX TU & XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX The following items are reporting incorrect status. Please correct the following items : XXXXXXXX XXXX XXXX - Date Opened : XXXX ; XX/XX/XXXX ( XXXX  & XXXX  XXXX ; Bal : {$340.00} XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  XXXX ; Bal : {$0.00}
Product: Credit reporting

Just initiated a credit report from Experian and found a residential address not belong to me. XXXX made credit inquiries on me on XXXX/XXXX/2016 the same day someone created an Social Security Administration online account and used my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, and continues to report unverified information without providing any proof required by law. Equifax and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On a Bank of America credit card ending in XXXX, I paid the amount due within the 30 day payment policy according to the Fair Credit Reporting Act ( FCRA ). This was done electronically. I spoke with a customer service agent at B of A on XX/XX/XXXXat XXXX and his name is XXXX. During this call it was made clear to him that the payment was made within the 30 day limit according to the FCRA. He did state that a credit of a late fee assessed on my account would be shown on my next statement. Additionally, and more importantly, he said he would make a correction with all four credit bureaus to show " paid as agreed '' for XXXX, the period in question. The credit reports were not updated as per our conversation. 

I made the payment electronically. This alone should invalidate any type of negative reflection on my credit report. 

My entire credit report prior to B of A 's improper reporting to the bureaus showed no negative information for any account. 

The FCRA has a penalty assessment for the improper filing of improper data. I would expect the full amount of financial penalties to be assessed in this case. B of A is handing these situations as if they don't care. They must be held accountable.
Product: Credit card or prepaid card

I never received my bill for XX/XX/2023 statement for {$480.00}. I was charged an interest of {$94.00} on the statement amount. I pay the bill on time every month. I asked the agent on XX/XX/2023 to mail me a paper copy of my statement and she refused. Only when I said that I was filing a complaint with the government did she say she would send me a paper copy but I don't believe her since I asked for a paper copy at least 3 times before that and she refused. I also asked for her to remove the interest payment since I make my payments every month and that amount was excessive and she refused. I am asking for the interest amount of {$94.00} to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER been late on paying GM financial- in fact Ive been paid ahead with XXXX balance for well over a year. They refuse to correct it! I will NEVER buy another GM product- we buy XXXX now. This is ridiculous to damage my credit like this and Ive been paid up AHEAD for over a year??!! These people are jerks and ruthless- they need to be investigated by the government! They kee reporting x1-30 day  late payments from XX/XX/XXXX & XX/XX/XXXX. One for each year. Ridiculous- scam so they can finance you later at higher rates - always begging you to buy or trade in on a new truck. What a SCAM.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax regarding the account of XXXX credit card account on my credit file, XXXX sent letters to all credit bureaus to remove debt because it was paid in full in 2017. All other credit bureaus have removed it but Equifax. A letter was sent to XXXX CEO also.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX is reporting inaccurate and unauthorized transactions to my credit report They are reporting items that has been closed or removed on my account and creditors are still trying to get paid for items that have already been paid or charged off by companies like XXXX XXXX XXXX and child support as well as XXXX XXXX XXXX credit card had inaccurate unauthorized charges which reported and dropped my credit score Inaccurate reporting from XXXX
Product: Debt collection

FIRSTSOURCE ADVANTAGE LLC violated the CFPB debt collections rules, with a debt collections letter that was sent me dated XXXX. I observed the following violations : # 1 The letter was mailed to my place of business # 2 NO itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date # 3 NO information about my debt collection rights # 4 NO Information on how to dispute the debt # 5 NO tear-off form that you can send back to the debt collector to dispute the debt or take other actions. 

Pictures of the debt collections letter is attached.
Product: Money transfer, virtual currency, or money service

Im filing a report against Cash App ( block .ink ) due to an adequate customer service and unfair practices which violate the customer financial protection act ( CFPA ) specifically cash app failed to take timely and effective actions to protect against fraud leaving my account, unprotected and vulnerable furthermore their dispute system was very unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and loss and I seek the appropriate redress for these violations
Product: Student loan

Settle it promised me 2017 to get my federal loans forgiven. They have been charging me monthly for working on getting my loans consolidated and forgiven. Until two weeks ago a new rep confessed they do not work to get my loans forgiven nor fixed. They just work to get my loans offset.
Product: Checking or savings account

On XX/XX/XXXX, I initiated opening an account with XXXX XXXX XXXXXXXX XXXX and requested funds be transferred from my online JP Morgan Chase checking account. They debited my account by amounts less than a dollar and transferred them to XXXX and required me to indicate how much was deposited to verify my accounts which I did. 

When I had the accounts set up, I initiated transfers about XX/XX/29 of {$1000.00} from my Chase checking account and {$5000.00} from my Chase savings account to XXXX savings which they rejected and did not inform me of their actions. When I discovered what they had done, I contacted Chase to find out that they could not verify that I owned the XXXX accounts and removed the XXXX accounts from my online Chase website. They indicated that I must wire the amounts. When I attempted to wire the amounts they again stopped the wires because they said they suspected fraud. After talking with their " Fraud '' person, I attempted the wire transfer again ( after setting up the XXXX accounts on Chase again ) and the wire transfers went through on XXXX and XXXX. 

On XXXX, I initiated another transfer from my Chase checking account to my XXXX XXXX account which was rejected. They called me to verify that I was who I was, then rejected the transfer ( and again deleted the account on their website to which I was transferring money ) and told me I would need to wire the money. When I tried to wire the money a few minutes later, they froze my online account and I could no longer even see my online account. They required me to call a number to get it unfrozen. XXXX at this number was able to unfreeze my account. She told me to try to wire the money again but, if it did not work, to try another way to move the money. 

It seems that Chase does not want to have people remove money from their accounts and is going to great lengths to make it difficult to do so. I am moving my money because Chase only offers .1 % interest on savings accounts and XXXX offers a rate 46 times more. I have worked with Chase for many years and am so disappointed in their service.
Product: Mortgage

Everbank foreclosed on my house in XX/XX/XXXX. Then transferred the loan to XXXX and they started foreclosure in XX/XX/XXXX after Everbank had already foreclosed on the property. On my credit report Everbank has a line that says loan transferred. Which leads creditors to believe that I have a mortgage out there somewhere, but I do n't. I have spoken with Everbank and asked them to simply report to the credit bureaus that the account is closed and settled in full, but they refuse. They say that I need to talk to XXXX. I 've talked to both companies and they both are playing the blame game. Everbank says that I owe no money. So because they have the status of the that mortgage as being transferred it is hindering my credit and my ability to receive credit to buy another home.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. I should be in process of getting a home sometime this year of 2024 and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my XXXX health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB ).
Product: Debt collection

I filed a complaint with the CFPB asking them to check an account on my credit report for XXXX XXXX. Needless to say that the Bank is concealing that the fact that they have turned over the account with a collections agency. The collections agency responded as XXXX XXXX  and did not identify that the response was coming from a collections agency. I asked XXXX XXXX to send in the dates of delinquency and or to remove the account from my credit report. I was overcharged in a transaction with XXXX XXXX  deemed XXXX. They are still trying to collect on this account with all these problems. The credit Bureaus have yet to step in to determine where the problem is and to fix this issue. I want the payment history and I asked for them. No one has responded yet with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

- i had a XXXX XXXX XXXXXXXX credit card for 25 years. 
- in XXXX of 2019 i disputed a charge with a vendor - XXXX XXXX XXXXXXXX said they reversed the charge - i did not pay it - XXXX XXXX XXXXXXXX charged me a late fee and interest for not paying the statement amount - XXXX XXXX XXXXXXXX reversed the late fee, but the incident is showing up on my credit reports as a late payment - i closed the account in XX/XX/2019 - 25 years i never paid late or underpaid the amount owed, and mostly kept a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full no late payments, negative remarks regarding repossesion are inaccurate. 

I recently received a copy of my consumer report and i noticed some late payments/reposession comments being posted on my consumer report.

THRIFT INVESTMENT Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S Code $ 1681b- Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give any written instructions to furnish this account on my consumer report?!
Product: Debt collection

My data was breached this account is a result of identity theft under FCRA 15USC 1681 I demand that this account be removed immediately
Product: Debt collection

A medical procedure was undergone without my knowledge of the procedure 's price. It was called for by my physician, and I was not made aware of the cost for the procedure. I was not made aware that my insurance would not cover anything until the procedure was over. Due to my lack of consent, my legal obligations to pay this amount is questionable. Still, I am actively working towards paying this debt with XXXX. While I was working to pay it off, it fell into collection within 6 months. The resulting impact on my credit score alerted me of this. It seems improper to send this debt to collection when I am actively working with XXXX to pay off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm paying Experian for services who preventing from login. Who continue having me changing my password several time. I recently tried login who still being prevented from login. Recently I have been using this follow Username : XXXX for the past 12 months. Who change this follow Username : XXXX to this Username : XXXX Because my 3 computers being stolen from my home XXXXXX/XX/XXXX. I have provide them Police Report.
Product: Credit reporting or other personal consumer reports

I am writing to address the issue of unauthorized hard inquiry that has been reported on my credit profile, which I previously brought to your attention. As per your investigation from the complaint that I submitted last XX/XX/XXXX  with an ID XXXX that THE ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 

XXXX - XX/XX/2023
Product: Money transfer, virtual currency, or money service

I am a small business owner. I used PayPal as my on-line point-of-sale. In XXXX, they froze my account with my money in it ( {$21000.00} XXXX with no notice or explanation. When I inquired, they could not explain why the account was frozen, but said my money would be released in six months. No details were given despite my persistent questioning and I was not requested to provide any documentation Six months later ( XX/XX/21 ) I called to check on the status. The {$21000.00} in the account had been transferred out, directly into PayPals corporate offices account. They could give me no details as to why this money was being taken from me, will not provide documentation to explain my apparent fault, and will not provide a supervisor to elevate my inquiry to, or refer me to any department to pursue this. They will not provide a ticket number to pursue this as they say the case is closed. Their only statement is that I am in breach of their user agreement, and that this situation typically involves drugs, nudity or weapons. As a respectable business woman, I am horrified at these accusations. 

I am a XXXX XXXX ( XXXX XXXX. ) and have my practice in XXXX XXXX. My clients refill their recommended supplements through my on-line store and thus PayPal. These supplements are from professional line manufacturers, and as such are high quality. This also means that they require my store to be password protected so that only my clients can purchase them. Each of these clients I know personally The {$21000.00} they have taken from me came to me as many small purchase transactions from my clients. I had been using PayPal as a payment gateway for many years, without a single chargeback or complaint. 

I have repeatedly called them with no success I have filed a complaint with the XXXX  and California Attorney General XXXX am in the process of writing my Congressman & the CEO of PayPal In my research, I see that this situation has happened to many others for many years, and most fail to get their money back. I believe this is an injustice on the part of PayPal that needs to be resolved not only for me but for other customers. I do not know of any other business that can just take your money without due process, providing documentation, or at least a verbal explanation as to why, with no opportunity to correct their information and the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S.C 1681C-2 ) that Equifax credit reporting agency , block information appearing on my consumer credit report. That is the result of Identity theft and fraud within four business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report. Maintained by Equifax which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 The CRA in question sent a letter with a confirmation number [ XXXX ]. The Letter stated the result of the reinvestigation into an inaccurate account is not currently reporting on the Equifax credit file. When indeed it still appears on my consumer report. According to 15 U.S. Code 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

It is the CRA sole responsibility to make sure all information furnished is in accordance with the governed guidelines.
Product: Debt collection

An old paid off account that is reporting incorrect on my XXXX and XXXX accounts from Sears/CNBA. Its over 13 years old and still showing up on my credit report. Its hurting my ability to get credit.
Product: Credit reporting or other personal consumer reports

I pulled my credit report from all XXXX credit bureaus and noticed on my transunion report that my student loans are reporting the wrong balance and should be reporting paid off. I would like this account updated immediately as it is holding my transunion credit score down.
Product: Debt collection

I want credit acceptance corporation auto loan removed from my XXXX and XXXX accounts the balance is incorrect they never reported my payments and I was told that my account was dismissed I just didn't it it lingering on my credit I'm trying to rebuild my life and my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX and XXXX  off and they still have a balance on them also, there are a lot of inquiries from mortgage companies that need to be removed
Product: Credit card

AAA offered me a credit card with no fee and no foreign transaction fees. I submitted the form online. On XX/XX/ I received a letter from Comenity Capital Bank indicating it could not process the application without verifying certain information. I called XXXX as instructed in the letter and spoke with someone named XXXX. I confirmed whatever the information they needed to verify - XXXX was unable to provide me with the exact information that needed to be verified but told me I had provided it. XXXX advised the card had been approved and would be sent to me in due course. As of today 's date, XX/XX/2024 I had not received the card and again called XXXX and spoke with someone named XXXXXXXX XXXX XXXX  ) becuse I was concerned to card had been lost or stolen from the mail. XXXX told me the application had not been submitted for approval because information needed to be verified. I informed her of my XX/XX/ conversation with XXXX and she told me there was no such record of that conversation in her system. XXXX asked me if i wanted to verify the information and I decided to request the application be withdrawn even though I was concerned of a negative mark against my credit as a credit check had been processed but no card was issued. I have a photo from my cell showing the telephone record of my XX/XX/ outgoing call lasting approximately 9 ( nine ) minutes.