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

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After examining my credit report, I noticed various billing mistakes. The late payments are inconsistent with my regular payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Name : XXXX XXXX XXXX Account/Product Type : XXXX XXXX XXXX Card Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Reference : Failure to notify consumer ( me ) of charge to XXXX XXXX Store Card. 

XXXX XXXX failed to notify me of an automatic renewal of an XXXX XXXX charge to a XXXX XXXX Store Card ( ie. credit card ) I did not know I had. 

Synchronys customer service rep claimed to send an email to me. However, XXXX XXXX used an old email account which was no longer used IF XXXX XXXX sent an email at all. XXXX XXXX representative was unable to prove they sent an email and refused to provide proof any email was ever received and read. We never received a printed billing notice from XXXX XXXX until just today, after we argued with the bank rep because my credit rating dropped 200 points due to failure to pay. 

XXXX and their India call center said " call the US Post Office if you didn't get your mail or your internet service provider if you didn't see your email ". How insulting is that for a 200 point drop in my credit score. XXXX clearly charged an " automatic annual renewal '' on a 27 % interest credit card XXXX ISSUED WITHOUT MY KNOWLEDGE. I didn't know I owned or was charged for an " automatic '' annual renewal? 


Investigate XXXX XXXX and XXXX XXXX for failure to properly notify me of a charge made to an XXXX XXXX XXXX Card without my consent or knowledge. 

Please fine XXXX and XXXX XXXX They must notify all credit agencys to reinstate my credit score of 830. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express sent me a letter stating they had declined my application for credit. I had not applied to American Express. Someone is fraudulently using my data.
Product: Credit reporting or other personal consumer reports

1. Multiple Hard Inquiries : In XXXX, I purchased an automobile from XXXX XXXX XXXX During this process, multiple inquiries were made to my credit file without my full knowledge or consent. The inquiries were made by XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX all dated XX/XX/XXXX. The only inquiry that is correct is XXXX XXXX which is who I financed with. Under the FCRA ( 15 U.S.C. 1681b ), credit inquiries must be authorized and have a permissible purpose. These redundant inquiries negatively impact my credit score and were not fully disclosed to me at the time of the transaction. In addition, I request the immediate deletion of these inquiries from my credit report under the premise of unauthorized access and procedural non-compliance. 
2. Mortgage Payment Reporting Error : We have been paying our mortgage as agreed since the inception of the loan, consistently making payments in advance. The mortgage company was scheduled to begin automatic deductions for XX/XX/XXXX, but they failed to do so. As a result, I manually made the payment on XX/XX/XXXX, and subsequently paid XXXX 's amount on XX/XX/XXXX. Despite this, the credit bureaus are inaccurately reporting a late payment for XX/XX/XXXX. Under the FCRA ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must ensure maximum possible accuracy of the information they report. I have previously provided proof of payment and request immediate removal of this incorrect late payment reporting as it does not reflect the true status of my mortgage account.
Product: Debt collection

I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. 

Account Information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.
Product: Credit reporting

My wife and I sent a letter to Equifax on XXXX XXXX, asking them to correct inaccurate accounts on our credit reports. As of today, over 60 days have passed and neither of us have received any investigation results from Equifax. We are attaching a copy of the letter we sent to Equifax in XXXX.
Product: Debt collection

The week of XX/XX/XXXX XXXX XXXX called my work and I told them that this is my work and I was not allowed personal phone calls. The caller keep trying to talk and I told him again that this is my work I am not allowed personal phone calls and again he still tried to keep talking so I hung up. Today XX/XX/XXXX they called again at my work and I told them they called last week and I told them not to call this number it was my work and I am not allowed to receive personal phone calls. She the caller keep talking and I told her not to call this number it was my work and she said she could call this number and I told her it was against the law and she told me it was not against the law and she can call it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report and noticed fraudulent accounts on my credit report. please remove account as it is hurting my ability to obtain to credit. thank you
Product: Credit card

On XX/XX/XXXX I mailed a certified letter to Dillard's/ Wells Fargo . The letter explained the inaccurate reporting on my consumer report. According my consumer report from XXXX and XXXX this credit card account was charged off in XX/XX/XXXX. According to IRS Publication 4681 you must report canceled debt as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity. I never received Form 1099-C. Dillard's/Wells Fargo is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the account from my consumer reports. Dillard's/Wells Fargo responded with a letter dated XX/XX/XXXX in which they stated we are unable to complete your request because if can not be determined what information is in dispute. I resubmitted the letter I sent with highlighted areas of concern. Dillard's/Wells Fargo responded with a letter dated XX/XX/XXXX stating that the information is accurate. Dillard's/Wells Fargo did not provide accurate information necessary to validate my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX   XXXX XXXX {$150000.00} XXXX XXXX XXXX   XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting

XXXX XXXX, 2015 I mailed a dispute to Experian and approximately 27 days later I got a response stating : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. '' I was very disappointed and took to the internet to research this. It seems that Experian is doing this to everyone. However, on XXXX XXXX, I mailed a registered letter explaining that the letter was not fraud and to please process my claim. As of XXXX XXXX XXXX today ) I have not heard from them. Now Im wondering how do i remove errors froom my report as they are refusing to process my disputes?
Product: Credit reporting or other personal consumer reports

Dear XXXX, Experian, and XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX This account is too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX decree states that this is no longer my account. Also, this account is too old to report XXXX opened XX/XX/XXXX. Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3200.00} XXXX XXXX XXXXhis account is also too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX This account is too old to report XXXX opened XXXX XXXX, XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I insist that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

This is not mine. Company has n't deleted item after I provided proof.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

In 2020, my account was reported late 90 days ( XX/XX/2020 ) Transunion and again XX/XX/2020 with Transunion and XXXX. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.
Product: Credit card

I used my Chase Freedom credit card to make a purchase at the XXXX XXXX XXXX XXXX store in XXXX XXXX, NY on XX/XX/XXXX. My Chase Freedom card had a cash back deal for 15 % back on purchases made before the expiration date of XX/XX/XXXX. The cash back for my purchase of {$59.00} should be {$8.00}. I have not yet received my cash back totaling {$8.00}. I have contacted Chase customer server on numerous occasions providing the details required to issue the cash back. My first contact was on XX/XX/XXXX with XXXX who stated she created an escalation to receive the reward. I spoke to XXXX on XX/XX/XXXX and was told they were still working on it. I received a letter in the Chase message portal on XX/XX/XXXX stating the Bank needed additional information. I called on XX/XX/XXXX & was told to send the paperwork that proved I satisfied the terms of the offer via the Chase message portal. I received a letter back almost immediately stating they don't accept documentation via the portal. Unbeknownst to me, the case was then closed. Only when I called back to check the status of my case was I informed the case had been closed. At that point I requested to have the case re-opened. I contacted Chase once again on XX/XX/XXXX and spoke with XXXX who stated that as of XX/XX/XXXX the Bank was still working on it. I checked my portal again and on XX/XX/XXXX there was another letter stating that I was requesting {$28.00}, which I have never requested. That is the maximum amount allowed under the promotion. If the representatives can't get the information correct how am I supposed to get what I am entitled to? I have proven I satisfied all of the requirements of the promotion and I am entitled to {$8.00}. I feel Chase is giving me the run-around in hopes I give up my quest to receive my cash back promotion.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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

Collections account reporting on my transunion credit report from radius global should be removed. The account was incorrectly placed on my credit report b/c my insurance should have taken care of this charge. I reached out to radius gobal and was told if I pay the account in full, which was {$220.00}, that it would be removed. I paid the account in full and it has been removed from XXXX and XXXX but Transunion has not removed. I reached out to Transunion and denied my dispute to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have filed for my invasion of privacy 15 US 1681 ( a ) ( 4 ) consumers ' right to privacy and identity theft. Previous case numbers XXXX XXXX, XXXX XXXX, XXXX Experian XXXX I have proven several times that I never gave written permission to use my information on any credit report. These credit bureaus constantly write back stating that your Bankruptcy is accurate. I already know that. This also shows continuous identity theft by not removing Bankruptcy from a credit report when showing violations. I have filed with Nevada State Attorney General 's office for identity theft. Violation NRS 205.4651.
Product: Credit reporting

Equifax has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX XXXX ... It appears that Equifax changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reporting my mortgage from XXXX ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation : Inaccurate reporting Please see attached document
Product: Credit reporting

In XXXX of 2013, I enlisted in the military. Prior to leaving I selected to pay my bill in full on my online account for Capital One. After I paid it and reduced the balance to {$0.00}, a {$3.00} interest fee was added that was overlooked. This charge went over looked for the time period I was in training and unable to access my phone or the internet. I had an excellent record of paying my bills monthly and on time, usually in full. Now that I am in the military I have a Security Clearance. I keep having to explain why I have a negative hit on my credit report and it jeopardizes my job. I tried contacted Capital One on a yearly basis to have this delinquency removed and I showed them my orders explaining the situation. They refuse. I can understand someone who is delinquent frequently or owes a lot of money. But this was over {$3.00}. And I paid the entire bill off on the Capital One website. The interest was tabulated afterwards. I am filing this complain because 7 years on my credit report is absurd and highly damaging to my career and would like it removed from the credit agencies. Please see all supporting documents. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that XXXX, XXXX, and TransUnion investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.
Product: Credit reporting or other personal consumer reports

I sent a dispute to Experian via certified mail on XX/XX/XXXX with proof of identity and address and asked them to remove all incorrect information from my credit report. They sent an email today saying the dispute was completed but the only thing they corrected was my phone number. They also did not remove name that was incorrect. They did not remove any of the incorrect addresses. I also asked them to remove an inquiry from XXXX XXXX XXXX from XX/XX/XXXX that I did not authorize and they did not remove this either or send verification. 

I have a home address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a business address of XXXX XXXX XXXX XXXX TX XXXX. There should be no other addresses on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Checking or savings account

During the short period of time I had my checking account with Wells Fargo I believe that I was unfairly charged over draft fees amd t hat my account was unfairly closed and that I was not reimbursed the little bit of money left in my account when the company closed it.
Product: Debt collection

Somehow, American Express obtained my cell number in an attempt to get a message to and obtain information to reach my brother ; which neither my brother nor I had given them said number ; nor has there been any connection with said telephone number credit or financial histories. I called them to tell them to stop ; and I have told them we have given him the message ; ; but they couldn't do anything because I don't have my brothers account number with them, or his credit card number. I also have copies of several voice mails they have left ; that I can furnish you with, upon request. I have two numbers that are connected with this complaint ; which are ( XXXX ) XXXX and/or ( XXXX ) XXXX. My brothers name is XXXX XXXX XXXX.