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

I have called Experian three times to receive my free annual credit report. I have a dispute also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX The account was paid in full {$85.00} on XX/XX/2019. As of XX/XX/2019 they show that the account was closed as a charge off not paid in full. This is hurting my credit. They told me it would show up as a paid in full account. Paid by Bank card. Have bank statement if needed. Want account to show paid in full not a charge off
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit card or prepaid card

I have been with this card as a good payer well over 3 years starting in XX/XX/2017 never have been late and do to payment error from their end I was hit with a late payment and my credit dropped drastically. 

I am trying to purchase my home and this late payment unfortunately isn't helping.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX  account has been reporting as late payments since XXXX of 2023 i have been reporting and disputing these late payments to be removed from my credit file. They have not been removed. No reason in which account is reporting late when its auto pay out my checking out. When spoken to rep at XXXX i was told my payment changed to a differemt amount without my knowledge. This is problem which has caused me financial issues with my credit which been reportin like for over XXXX, Now account isn't reporting correct on file
Product: Credit reporting or other personal consumer reports

-Please see attached letter. These accounts are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX, Equiafx and XXXX XXXX that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, manager with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the three major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to XXXX and XXXX XXXX. Equifax online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with XXXX XXXX and provided the payment history and they provided the payment history to Equifax along with that I sent the information via US Mail to Equifax twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to XXXX, Equifax or XXXX XXXX to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to XXXX, XXXX and Equifax XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a Home Loan and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to CFPR for help in resolving this matter.
Product: Debt collection

This account is not my mine. I highly believe this account is associated with my stepmother whom is now deceased. I have disputed the account multiple times but no avail or assistance from the bureaus. PLEASE assist in having this account removed from my credit credit report. I also had another account from this same company that I highly believe was associated with my deceased step mother as well but that account was removed from credit file. Now, I just need this one to be removed as well. 

AFNI, INC Date- XX/XX/2020- I DID NOT OPEN AN ACCOUNT WITH COMPANY IN THAT YEAR Account Type- Collection Department/Agency Amount- {$520.00} Disputed- XX/XX/2020, Results on XX/XX/2020- Updated Disputed- XX/XX/2020, Results on XX/XX/2020- Updated
Product: Credit reporting or other personal consumer reports

Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX account was back in 2020 and should not be reporting on my credit report by XXXX. XXXX and TransUnion is still reporting this account. They stating they are performing investigations and they are not. If XXXX and TransUnion are doing a true verification then they know this account should not be reporting on my credit file. I want this account removed immediately. XXXX and TransUnion please provide me with proof of verification. I want to know who verified. So I can take XXXX to court if they saying this is a valid account and they own this account. I am giving XXXX and TransUnion 4 days to get this rectified.
Product: Debt collection

I owed an amount of {$950.00} to XXXX XXXX. This account was opened in 2015. This bank was closed, and my delinquent account was sold. I am being sued by a law office that I was never in contact with. The bank is no longer in business and I do not have a contract with this law firm. They are suing me for the amount above. Can you help?
Product: Money transfer, virtual currency, or money service

Hi, My name is XXXX XXXX, last month I tried sending money and I made a mistake on a WesternUnion transfer. I was told to go to the XXXX I had originally done the payment to get my refund, however, there was always a error message. I called WesternUnion and they told me I had received the refund which isnt true. The man I spoke to told me to a expect a call to do further investigation, but its been weeks and I still havent heard back. The tracking number is XXXX.
Product: Checking or savings account

After Bank of America closed my account my business account for an account they found out i didn't open. They wasthe main source frome over XXXX other accounts payments! And when i asked for a personal/business loan, they denied me credit and denied me loans. Discrimination because for XXXX ive been a loyal banking customer! Hard tomes hot after XXXX and i couldn't get no assistance nor contributions at all! 
XXXX that really hurted me, my pride, and how my kids and family looked at me as a man and being a private business owner!
Product: Student loan

Back in the Fall I incurred some unexpected medical expenses. SoFi had a temporary forbearance program that included XXXX expenses. I applied and didn't hear back, so after a time I checked with them and they stated that they didn't received the required paperwork, so I resubmitted it all, but at that point they said since the bills were over 60 days they weren't applicable. So I've been struggling to catch up ever since. Along the way I've had some other expenses come up that have stretched my budget, I also submitted General Forbearance applications to try and get some relief and again they get rejected for arbitrary reasons to a point where again they can then claim they are too " old '' to be considered. Per the terms of the loan I am entitled to up to 12 months of forbearance assistance, but denying me in my opinion they are violating their own loan terms.
Product: Credit reporting or other personal consumer reports

I have repeatedly informed you that I was a victim of identity theft, resulting in numerous fraudulent items being opened without my authorization. Therefore, I am requesting the three credit bureaus once again to remove all fraudulent items from my credit report as mandated by law. Please remove the following fraudulent items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXXXXXX XXXX XX/XX/year> ; XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

After my information was exposed in a big data breach, this company thats been furnishing fraudulent information to my consumer report. After being informed via mail & after being sent a copy of the ftc report with this account listed as fraudulent, this company continues to furnish fraudulent information to my report. This is a direct violation of USC 1681. 

Acct # XXXX
Product: Debt collection

The National Credit Systems contacted me about a month ago and suggested that I settle with the XXXX. I explained to the representative, that due to our medical bills and health issues I did not owe the complex {$2000.00}, XXXX XXXX explained that they were willing to settle for {$1500.00}. I explained to the representative that this was too much and that the complex should be paying me and my husband for the medical expenses that were accumulated while residing in that molded apartment. At the time I offered {$1000.00} to prevent my credit from being affected but this company would not help me. As a result, the National Credit Systems is destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several late payments on the XXXX account that should no longer be reporting ( I have sent several letter to the bureaus with multiple errors ) These are notorious errors that, according to the FCRA, must be eliminated and have not yet been done. 
I give the bureaus 7 days to update or delete all those late payment marks on the XXXX account that affect my credit report. It's been more than 60 days, they've had enough time and they haven't done it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from XXXX XXXX reporting from XX/XX/2015 As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
Product: Credit reporting or other personal consumer reports

Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.
Product: Debt collection

National Enterprise Systems has called me no less than XXXX times, and left XXXX messages identifying themselves as debt collectors, about a debt they want to collect from my brother. Half the calls and messages came after I talked with them and notified them that I am not my brother.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting information on my consumer report that's in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent Equifax multiple disputes ( XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 ) asking to properly verify, validate and correct errors on my credit reports. They did not do a proper investigation. They simply sent me a response stating the items were accurate and/ or verified.

XXXX XXXX XXXX- I request proper validation ( and the collection company only sent me a copy of a bill and a lease agreement. This is not proper validation of debt or proof of ownership. I sent a copy the documents to Equifax along with a proof of the inaccuracies on my credit report ; yet Equifax still do not remove the account as i requested.

Unverified Account Type ( Other ) / Unverified Balance ( {$3500.00} ) / Unverified High Balance ( {$0.00} ), Past Due Balance ( {$0.00} ) and the account Shows " Joint Account '' but only one name on the collection letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously sent fraud affidavits to TransUnion to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

XXXX with balance of XXXX} - FRAUD XXXX XXXX with balance of XXXX} - FRAUD XXXX XXXX with balance of XXXX - FRAUD XXXX XXXX LOANS with balance of XXXX - FRAUD XXXX XXXX XXXX with balance of XXXX - FRAUD I have sent 2 previous letters to TransUnion, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Debt collection

I received a letter from Convergent a year ago ( XXXX ) regarding a delinquent cable account in XXXX XXXX with XXXX. First of all, I have never lived in Nevada and secondly, I have never heard of XXXX much less have an account with them. I spoke with a rep at Convergent and they said I would have to take it up with XXXX. I spoke with a rep at XXXX and we found that my info did not match and it was not me and that it would be reported to the collections and credit agencies. Fast forward to a year later XXXX XXXX XXXX, I received another from Convergent regarding the same delinquent account, went through the same process and NOW their info happens to match my info. I believe they updated their account a year ago when we compared information. I looked through some old paper work that I filed away and noticed that Convergent contacted me in XXXX regarding a XXXX XXXX bill that I did not ever have. I'm not sure if it is the debt collectors Convergent or XXXX who are the scammers or both! I have filed a police report for identity theft.
Product: Money transfer, virtual currency, or money service

Zelle allowed fraud to occur with no assistance to customers
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. ( XXXX  - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 or other personal consumer reports

I recently reviewed a copy of my credit reports and noticed I had a fraudulent accusation on Trans Union and XXXX. Please remove the accounts from the 2 credit bureaus mentioned they are hurting my ability to obtain credit
Product: Money transfer, virtual currency, or money service

Venmo withdrew {$75.00} from my account twice. I paid the person ( and was supposed to pay them ) {$75.00}, but it was only supposed to be one charge. The end user did not receive money twice. 

I contacted venmo on XX/XX/XXXX and have had very minimal interaction with them. They take multiple days to respond and continue to ask for the same information that I have sent them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Contacted XXXX XXXX, dispute account for fraud never opened. ID theft.Sent docs back no investigation answered. Violation of federal rights.
Product: Prepaid card

I am a recent victim of the rush card scam. I have never in my life dealt with a company that has such low regards for their customers. Not one person has contacted me yet. I have put myself in a financial burden because of the rushcard. I can eat food, let alone feed my children. Please please please I am disgusted to the XXXX power and I want to take some legal actions. I have my next check being directly deposited. So does this mean they will take my money again. What are they doing gambling with my check for their own corporate scheme. I want my money so I can cancel their services. I have been embarrassed on so many levels. This is a joke and shame that people can do this to you without America protecting the citizens of this great nation. please will someone help me or send information about how I can take this to the next legal step
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there are inaccurate accounts reporting. I filed ftc report and nobody has yet to help me.
Product: Credit reporting or other personal consumer reports

Experian refuses to have correct data on my report. XXXX XXXX XXXX reported a commercial loan, and Experian refuses to mark the account commercial. The amount of the debt is fraudulent, and I proved it. And there are closed accounts from 2014 that Experian will not remove. 

XXXX XXXX XXXX reported to Experian that the account had XXXX owed and was charged off. Yet, when I contacted XXXX XXXX on a recorded line. I was informed that the past due balance was XXXX. This is a commercial account, and I was NEVER told there was an issue with this account. I have another account with them, and they chose to ruin my credit with a bogus amount. I agreed with XXXX XXXX XXXX for XXXX, and they are paid in full. They said that they were sending me a tax document. Any tax documents to me are a bogus report, and I am filing with the IRS next. They do not have the title to send me and refuse to mark this account commercially. And they are predatory lenders that my bank has flagged as fraudulent.
Product: Money transfer, virtual currency, or money service

I recently decided to invest in Cryptocurrency and decided to use Coinbase as my service to do so. Recently invested $ XXXX to buy a fraction of a Bitcoin. A couple of weeks later I received notification that my account has been closed, and no further detail has been given. I can't withdraw my funds because to do so, I would need to sell my Bitcoin and then withdraw. But with the account being closed, I can't do that either. I have closed to $ XXXX ( depending on the fluctuating value ) sitting in my Coinbase account that I can not access. I've tried contacting customer service multiple times but no luck. Most of their customer service tools are articles and an AI powered chatbot. Reaching a representative has been impossible at the time of this writing. I've looked online, and it seems to be a common practice from this exchange and one of the articles had this link so that's why I'm submitting this ticket.
Product: Credit card

I request that an account in my name be investigated where a contract signed by me for that account is requested. d otherwise I demand to be exonerated from said debt. 
account in question discover card credit card.