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

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. XXXX XXXX : This account is not supposed to be listed as " XXXX ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the XXXX period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Credit card or prepaid card

I have had my Delta American Express Card for a few years and they refuse my request for an increase every time I have not had any negative activity on this card I have made all payments and kept them in good standing, They use a bankruptcy from 8 years ago as one of their reasons which makes no sense because why give me the card in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see the following attached documentation as it contains my request.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. Remove all requested information and to restore my credit sco
re.
Product: Student loan

Paid {$300.00} towards my student loans on XX/XX/23. Received a confirmation email. Today I received another email claiming my payment was overdue. 
When I logged in, I found that they reversed my payment. I Received no communication about this reversal. 
They encourage you to use their chat, but after answering all the bot questions it then tells you that the chat is disabled. Can't get ahold of anyone on the phone despite spending hours on hold. They want an account number to use the email form, but I can find an account number anywhere.
Product: Consumer Loan

I had a car loan for Prestige Financial. I offered to pay them XXXX to settle the balance on my car loan. They would n't agree to take it. So they picked up the car and sold it at the auction for {$4000.00}. They are now saying that I owe them more than what they are owed. They are asking to me to pay {$9500.00}. My balance should not longer be that high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXXXXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Credit card or prepaid card

Comenity Bank holds the credit cards for XXXX XXXX, XXXX, and a number of other stores. They need to make it easier for a consumer to file a complaint, research returns as well as speak with a customer service rep. You should not have to start hitting numbers to speak to someone. You should be able to chose a customer service rep, a refund disbute rep, etc. You also email erroneous information as a response to a missing refund see below, the number did not direct me to who I needed to discuss the issue with. Finally why does it take longer than 7 business days to be credited for a refund. This behavior is not acceptible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 Account Ending In : XXXX Dispute ID : Thank you for contacting us about a purchase on your account. 
Dear XXXX XXXX, Were Comenity Bank and we handle everything credit-related to your XXXX XXXX credit card account. 
You recently asked for help understanding a specific purchase. 
Comenity Bank does not have detailed transaction information in reference to your purchase. For assistance with your transaction, please contact the service provider in which the purchase was made. 
Were sorry were unable to fulfill your request. 
We truly value your business and we apologize for any inconvenience. If you have questions about this, please contact us at XXXX ( TDD/TTY : XXXX ). 
Sincerely, Customer
Product: Student loan

Navient withdrew an unauthorized payment from my bank account on XX/XX/2018. I did NOT authorize this payment and I certainly did NOT authorize it to be taken automatically. They did not withdraw this amount in the month before, so Im confused as to why they withdrew for XX/XX/XXXX. This is not the first time this has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My venmo account was locked over a month ago, they refused to respond or do anything to help me withdrawal my funds. I have reached out multiple times. There is XXXX $ in there that I need access to.
Product: Money transfer, virtual currency, or money service

So i applied for my stimulus check and the irs accepting it and i used my Cashapp routing and account info for direct deposit. The irs web portal says my direct deposit was scheduled to be deposited in my Cashapp account XX/XX/2020 and as of today XX/XX/2020 i still have not recieved it. Ive reached out to Cashapp via  email only to get automated responses which were of no help at all, also direct messaged and tweeted on their page Cashapp and Cashapp support via XXXX, and i get responses from their so called support but nothing that helps or even them tryin to do anything bout it. Ive also been researching this and this seems to be only Cashapp customers hvn this same issue and also not getting any help at all from Cashapp to resolve it. People are saying their account numbers changing overnight with their cashapp accounts that they dont ask for or do themselves. And i also found out that Cashapps app says they use XXXX XXXX  for their accounts and cards they send out to people but the stimulus direct deposits are not goin through that bank, theyre bein deposited into XXXX XXXX XXXX to Cashapp. And i was also supposed to be mailed another card a week or so ago but the card never arrived even tho cashapp app says it did, and when i reported it lost and requested for a new card, they say they can not send me another, yet, my stimulus direct deposit is supposed to go to that account and card. It doesnt add up and seems like cashapp is withholding my stimulus money and thousands of other ppls money or theyre just flat out stealing it. Either way its not right and alot of ppl hve lost their homes due to this, myself being one of those ppl. From what i understand, cashapp has 5 business days to deposit money or they start recieving fines, well, its been way longer than 5 business days. I just want my money and for cashapp to release everyone elses money theyre holding or for something to be done about it some other way. Im so irritated with dealing with Cashapps XXXX and almost ready to go to the darker side of the web and spend a lil money and let a hacker get my money bck for me, but im trying to do this the legal and right way first. Plse help. Ill provide whatever info yall request of me that i hve if it helps. Ty.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.
Product: Debt collection

Received a call from Credit Management stating I owed {$77.00} to XXXX. I said this was not possible, I have an account with XXXX right now in good standing. Lady on the phone said she will XXXX debt as disputed. Move forward to today and I get a notification theyve placed a collection account on my credit report for {$77.00}! I have not received any debt validation letter or proof that this is even my debt. I call Credit Management and they sent me a letter on XX/XX/20, I say GREAT, I have the post office scan all my incoming mail to me via email and can prove I did not receive a letter. Credit Management says on the phone thats not our problem. I tell them they can not report this on my credit without having sent me debt validation. They say thats not true and you should know better.
Product: Debt collection

This account was previously removed as it was incite and over 7 ears old. Ive NEVER received a notification about this RESOLD debt that is trying to be collected.
Product: Credit reporting or other personal consumer reports

XXXX evrthing seem good my cell phone my XXXX went XXXX and started acting funny didnt make much of it so I lefy iy alone and it seemed to me I would have to nuy a anew XXXX XXXX move all my accounts my XXXX and other information was XXXX and then use against my will here is the result of this XXXX move XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I had a chapter XXXX two years ago no credit is being reported on my credit history. I called bank they said never received a letter from the attorneys office to keep the house. After two years making the payment on time? Then last year they said I was short XXXX in escrow they fixed it to XXXX again this year said I was in shortage again now they want XXXX a month for what? Taxes went up XXXX more a year? Home insurance went up XXXX a year. why I have to pay XXXX thats XXXX a month than the original payment. I will write them again. They are making me crazy.
Product: Credit reporting 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 XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} 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 am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX XXXX XXXX returns an error for all three credit score providers.

I am a U.S. citizen that has been living abroad for almost 10 years. I will soon move back to the U.S. and need a credit report so I can apply for a home loan. During that time I have always maintained U.S. bank accounts and used U.S. credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a U.S. address and phone number. I have neither as I have been living abroad. To attempt to retrieve my credit score I used my last mailing address from 2012 and my old U.S. phone number ( to which I no longer have access ). I am unable to provide my current, foreign address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for Experian, XXXX and XXXX, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for U.S. expats attempting to retrieve a credit report while living abroad. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.
Product: Vehicle loan or lease

Background info - I purchased a car from the local XXXX dealership in XXXX of 2018. The loan is through XXXX XXXX 
The Issue - I have made a couple of late payments and late fees were assessed. I made payments to cover the late payments and late fees. Well, I was looking at my loan account when I went to make the most recent payment and noticed all of these fees, {$130.00}. 
Before contacting the lender, I looked through all of my payments to make sure that the error was not on my end. According to my calculations, for the eleven months that I have paid the car note, it adds up to {$6000.00} plus an additional {$130.00} in the late fees. To date, I have paid {$6200.00} which was supposed to cover my car note and the accrued late fees. 
I called the finance company to ask why am I seeing {$130.00} in outstanding fees considering when I made payments according to the bills received, the late fees were apart of the monies paid. According to the agent, despite the fees showing on the bill and me sending in the payments were never applied to the late fees so the late fees are outstanding and past due. He stated that I would have had to have called and asked that the funds be applied to the late fees. 
According to the representative, the extra money was paid to the interest and not even towards the principal. I have just been shafted out of my money.
Product: Checking or savings account

XX/XX/XXXX I messaged for a response for an update to for resolving my complaint, and they had me pick a transaction which I did, and they couldn't help me I had multiple transactions and I gave all the transactions number and they would not look them up kept telling the same thing over and over again and I was unable to speak to someone over the phone. 
XXXX are the last ones I had to make due to I have stopped using this account as much. 
XXXX {$230.00} {$380.00} {$100.00} {$58.00} {$28.00} {$28.00} {$48.00} Email Pictures of the transaction and dates time and the response was all the same " Pick a transaction '' and I had to repeat the process over and over for a year now. 
Cash app
Product: Payday loan, title loan, or personal loan

Tuesday XX/XX/XXXX I received an email saying my loan was paid off. Wednesday XX/XX/XXXX they said my payment was late. If they made a mistake then own up to it take the loss move on. I kept the email stating it was paid
Product: Debt collection

I AM AVICTIM OF THE XXXX DATA BREACH AND IDENTITY THEFT VICTIM
Product: Credit reporting 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  : ACCOUNT NAME : XXXX XXXX  XXXX XXXX # XXXX, ACCOUNT NAME : XXXX XXXX- # XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX- # XXXX, XXXX- # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : Original Creditor : 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 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: Mortgage

We received a letter from XXXX XXXX in early XXXX of this year stating we were due an escrow refund from 2016 of almost {$850.00}, and that if we didn't do anything the money would go back to the state. We filed paperwork asking for the money to be issued to us as a check, and emailed it to XXXX who replied she had received it on XX/XX/XXXX and it would take 7-10 days to process after which it would be mailed to us. 2 months later and we still haven't received the check despite two further emails to XXXX, one to customer support and a phone call - all of which went unanswered.
Product: Mortgage

I paid my Bank Of America Mortgage XXXX XXXX, they received the payment in XXXX. 
I used Certified mail and KNEW when received the payment. The check cleared mybank on XXXX XXXX, 2015. I received My Mortgage Statement for XXXX, saying my XXXX payment was not received. Although the check had cleared XXXX XXXX andI was late and had a {$35.00} late fee due. I just received a letter telling me my mortgage was TWO MONTHS late and I may be facing forclosure. My payment was received XXXX XXXX by Certified mail. 
I want a full investigation done and a Equity Analysis ... .all late fees dropped and if anything is negative on my CREDIT report I want it cleared ASAP..I also want to know WHO HOLDS THE NOTE to my Mortgage ... I want to know who OWNS this loan.
Product: Credit reporting or other personal consumer reports

The basis for my dispute is the violation of 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Requesting proof of notices demonstrating that the creditor mailed or delivered the required information at least 21 days before the due date for the disputed account. I am specifically requesting original notices, not copies or templates, to validate that the notices are legitimate and valid, If no such notice was provided or unable to produce such notices verifying compliance with the stated regulation, I kindly request the removal of the late payment/charge off that's null void, below is the attachment when I requested such information before.
Product: Credit reporting or other personal consumer reports

please refer to the attachments pertaining to the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX and equifax to look into the XXXXXXXX XXXX  collection on my report. XXXX deleted both of these accounts due to being unable to verify but these two are refusing to properly verify. I had all three times requested VALIDATION of these accounts. By law I am entitled to see how they validated these accounts as well as to have fair and accurate data reported. To date both companies respond verified which does not show how they validated. I want to see a contract with my signature on XXXX letterhead showing I owe them. On top of this both companies report different information on the account XXXX vs XXXX. My second XXXX account of XXXX shows individual owes but yet if they would of validated as I requested they can see it was NOT my debt ever! 

I am including a copy of last correspondence to show proof of inaccurate information being reported. 

XXXX already deleted BOTH accounts due to no validation. Follow suit.