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

More than one issue. The information on my credit was merged with someone elses because our social security numbers differ by one digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or 2.

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX  account # XXXX, Chapter XXXX Bankruptcy reference number XXXX, Chapter XXXX bankruptcy XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  account number XXXX Ive also had inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 without my written consent or written instructions.
Product: Debt collection

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company Jpmcb Card was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : Jpmcb Card - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
Product: Debt collection

I got a letter from OnLine Information services to collect debt from " XXXX XXXX ''. 
This is obviously not my debt.
Product: Credit card

Sears/Citibank is reporting a balance on a paid account ; I have disputed this account both with the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) and directly with Sears/Citibank and the account is still reporting incorrectly ; I 've attached credit reports showing that the account is reporting correctly with a XXXX balance on XXXX of the XXXX credit reporting agencies but with a balance of {$6500.00} on the third ; the first credit report shows the balance reporting on XXXX, but after disputing directly with Sears, the XXXX credit report shows that the balance of {$6500.00} is now reporting on XXXX and not XXXX, a clear indication that Sears 's internal records are absolutely messed up ; this account should be reporting a balance of {$0.00} on all XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). 



With my rights under this law, I am requesting the removal of the following XXXX loan accounts from my credit report, and I officially opt out of any reporting of these accounts to any credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts 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/2020, I purchased three airline tickets with XXXX XXXX, XXXX for the amount of {$1000.00}, but due to COVID-19, the XXXX government banned all entrances to the country ( documents attached ) and flight was cancelled BY AIRLINE. I did have to find out all by myself since XXXX   notification was sent to us, two days after travel s date, ( please see attached, copy of e-mail sent by Airline on XX/XX/XXXX, when flight date was XX/XX/XXXX ) of flights cancellation. Now Airlines refuses to give us back the permanent credit to our account, arguing that I purchased a non- refundable ticket. As I had explained to the credit card ( Citibank ) and Airline, THE FLIGHT WAS CANCELLED BY AIRLINE, how were we supposed to flight. 
Meanwhile credit card company, CITICARD, has been just staging, our rights back and forth with the merchant ( XXXX XXXX XXXX VA ).  We have provided documentation to the credit card company that by law, stated by Aviation Consumer Protection by US government, passengers are entitled to a refund of the ticket if flight is cancelled and even if schedule changes. 
Every time Citi receives a reply from the merchant, our rights are waived and amount is charged again to our account.
Product: Credit reporting or other personal consumer reports

never sent me XX/XX/XXXX Subject : Fair Credit Reporting Act, Section XXXX Dear Credit XXXX XXXX XXXX I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXXXXXX, account number XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
Date of Birth : XX/XX/XXXX SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

i opened bank account with M & T bank on XXXX of 2022, nad the when i signed up the bank told me they going to add my credit card to my online bank portal so i can control my account payments online, and since then i was able to take care of the payments online however when i signed in to my on-line portal on end of XXXX to do a payment i couldn't see my credit card on the online portal, and when M & T send the paper statement to my house it was already late for payment, i went to the local bank on XXXX XXXX XXXX, XXXX, NY i spoke to XXXX about the issue, he agreed to me that they're having issues with the postal service that sometimes mail arrives late, i called the bank on XX/XX/XXXX to complain about the late payment appearing on my credit report which is an effect of the online technical issue of not showing my credit card she connect me to the online dep. and they agreed that they're not sure why it happened and since this a bank system issue its not my fault of paying it late, and they can not report late on the report, but he is not sure how to fix this error on my credit report ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a credit dispute to Experian to investigate the XXXX XXXX error On my credit report. 
I was told it would take 30 days to investigate, I received a update response with no updated review to my credit report On the same day XX/XX/XXXX There Is no way a investigation could be completed within a XXXX hours time! 
XXXX and XXXX updated my credit file XX/XX/XXXX. Experian negligence is causing a negative impact on my credit score
Product: Mortgage

I have been contacting XXXX and XXXXXXXX XXXX for over a year trying to get the mortgage modified. The lender continues to avoid me. I began keeping records of my calls with the company. They are telling me that the foreclosure date is XX/XX/year>. I sent in a Debt Validation letter by mail, email, fax, and overnight mail. I am waiting on a response. I also sent the Validation letter to the Trustee, BROCK & SCOTT PLLC. I feel BROCK & SCOTT does a lot of deflecting as well. For example, the last time I called the representative ended the call. The rep told me she was recording the call, and I replied that I was doing the same. She informed me that she could discuss the foreclosure with me while I was recording ; which was peculiar because she was able to record the call. I have a record of my calls with the entities previously mentioned.
Product: Debt collection

I was sued and garnished for a debt that was not mine and eventually had to file bankruptcy. My sons father, not my husband or ex husband we were never married and never lived together, was court ordered to pay {$370.00} in support as well as keep my son insured till he was XXXX. My name is no where on his bills but because my son lived with me I took him to his appointments. There was consequently no communication from the doctors with me about billing for his appointments. And by the way I was covered by health insurance through the XXXX when these bills for my son were accrued. My son was not on our insurance because he was on his fathers. He subsequently did not take care of his bills or giving the doctors office the proper information they needed to bill his insurance company so his debt went to collections and some how they sued me I did not know until they started garnishment of my wages. I called them immediately and explained these are not my bills and the gentleman laughed at me and basically said whatever! The amount was almost {$6000.00}. So I filed bankruptcy to get the garnishment stopped but when we put the bankruptcy together I had none of my own debt to contribute to it. I dont owe any money, I dont have credit cards. If I need something I pay cash. So why should I have to ruin my credit by filing bankruptcy for his bills? We go to court XX/XX/XXXX for the bankruptcy and I dont want to file it. Its not my debt I shouldnt have to ruin my life for his incompetence. They should not have even been able to sue me for these bills. On top of all of it I have to pay a lawyer {$1800.00} for the bankruptcy. Its none sense. What can I do? Remember he was court ordered to keep my son insured doesnt that mean anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

See attached documents. Remove this personal information that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading False Reporting these accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.THESE ARE THE COLLECTIONS ACCOUNTS : XXXX XXXX, REC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus XXXX, Equifax and XXXX to remove these defamatory remarks and comments from my credit report. This is a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX I contacted XXXX/XXXX  and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on My Credit Report I am writing to dispute three inquiries on my credit report that I believe to be unauthorized and, therefore, incorrect. Under the Fair Credit Reporting Act ( FCRA ), I have the right to verify the information contained in my credit report, and I am requesting the removal of these inquiries if it can not be proven that they were conducted with my explicit consent. 

Details of the Disputed Inquiries : Requesting Entity : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Requesting Entity : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Requesting Entity : XXXX Name of the entity Date of Inquiry : XX/XX/XXXX I request that you provide documentation verifying that I authorized these entities to make such inquiries into my credit report. If you can not supply evidence of my consent, I am demanding the immediate removal of these inquiries from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of the investigations progress. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting one inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. It is a 60 day late payment posted in XX/XX/2018. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card

On Wednesday XX/XX/year> I ordered airline tickets through XXXX XXXX from XXXX to XXXX XXXX. During the ordering process, a promotion for a Citi XXXX XXXX XXXX credit card appeared offering a {$400.00} statement credit when the total dollar amount for the flights was " Paid Today '' along with XXXX bonus miles. It also said " Offer available if you apply here today. '' I took advantage of the promotion expecting that the {$2200.00} charge would be immediately applied to the new credit card ( as shown in the promotion ) because I was instantly approved. I've had other credit card promotion experiences in the past where you can instantly apply the charge to the new line of credit, so that was the expectation. 

After the card was approved, the online transaction continued and the new credit card was not offered as a means of payment. I called and spoke with at least XXXX different people at Citi and XXXX XXXX trying to figure out why I could not apply the payment to the new card even though it was approved and the line of credit was open. I was advised that I would have to wait up to two weeks until the physical card came in the mail before I could use it for ordering my airline tickets. 

I was not in a position to wait to order the tickets as they had already gone up {$200.00} since the other people in our group ordered them just one day prior. Not to to mention I was already 90 % complete with the ordering process. The entire promotion was SO misleading- I would NOT have taken advantage of the promotion had I known I wouldn't be able to put the tickets on the Citi XXXX XXXX Credit Card at that exact time. There was NOTHING in the terms & conditions that said the card couldn't be used until the physical card arrived. I did a quick online search and it appears that other people have had this exact same experience with this credit card promotion!! Also, I requested a copy of the terms & conditions and did not receive any detailed information about the promotion that I was offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card account was closed in XXXX. I continued to make payments until XXXX, and ultimately the account was charged off in XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XXXX with XXXX and XXXX ( TransUnion is reporting closed status as of XXXX ). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Product: Mortgage

In XXXX, I applied for XXXX funds through the Commonwealth of Pennsylvania in order to achieve full reinstatement of my loan, along with six months of future payments. During the late spring of XXXX, Lakeview and/or Loan Care ( the sub-servicer ) confirmed to XXXX that {$13000.00} was needed to fully reinstate my loan and also confirmed that {$4800.00} was needed to maintain my account in current status for the following six monthsthrough XX/XX/XXXX. XXXX then provided said amounts to Lakeview and/or Loan Care. 

It is my understanding that Lakeview and/or Loan Care servicing provided the wrong amount to XXXX initially, and that XXXX actually made an overpayment. Lakeview and/or Loan Care nevertheless claims that the account is delinquent and that {$2400.00} is owed. 

In order to accept XXXX funds, Lakeview and/or Loan Care agreed that my account was current. Given that the full payment ( s ) have been made, I do not understand why my account is in delinquent status. 

Please immediately correct this failure, ensure that the mortgage delinquency as of todays date is set to {$0.00}, remove any and all late fees, and place my account in current status as of todays date, so that I may continue to make my normal monthly payments starting XX/XX/XXXX. 

If some genuine delinquency remains, please immediately contact XXXX to inform them of the shortage so that the issue can be rectified on their part. Please correct any erroneous reporting of my account status to the credit bureaus.