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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Error was not fixed from investigation.
Product: Credit card or prepaid card

My XXXX XXXX credit card statement was mailed on XX/XX/2022, and received at my home on XX/XX/2022. The statement indicated a balance within my authorized limit which I desire to completely pay off to avoid interest charges. The due date to make the payment is XX/XX/2022. I usually conduct a telephonic transaction to pay the credit card bill by authorizing a direct debit from my bank account. I have done this successfully for over the past twelve months with no complications. I have been trying to make the payment telephonically for the past week, but the payment was not processed successfully. The recording stated that a problem prevented the process from be performed and that I would be transferred to a customer service representative for an additional {$9.00} fee, but anothers recording stated no customer service personnel were available and I should call back later. I have also tried to contact Commenity Bank directly, but he a separate recording repeats the statement to call back later, then immediately disconnects. I am concerned that the Commenity Bank is preventing payments from being processed to impose higher credit fees or to force customers to use a customer service representative which requires an additional {$9.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. DEPT OF ED / XXXX ( {$39000.00} ) Account XXXX Q Date of first delinquency is missing? 
Date of letter XX/XX/2023
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : Company name : XXXXXXXX XXXX - Account # : XXXX - Past Due : {$0.00} Company name : XXXX XXXX - Account # : XXXX - Past Due : {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Debt collection

I checked my credit and was not aware of having account or balance with comenity never received a notice or bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only agency reporting thisinaccurate information. I have attempted to dispute this collections numerous of times. Experian refuses to remove this negative item after providing proof how the information in the contract was inaccurate and incomplete. I explained in specific detail, as well as circled on the contract mailed to in attempt to verify the debt the inaccuracies on the contract. The item in the contract was inaccurate and incomplete because in the Buyers Information section of the contract the company has MO as the state in which is associated with the buyers information. The section of the Buyers Information is also incomplete because the company failed to provide a Present Address or City in the Buyers Information section of the contract. I have never lived in the state of Missouri and should have no address on file connected with that state. According to the Fair Credit Act. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Product: Debt collection

Hello, I am writing to formally dispute a charge on my XXXX XXXX credit card account. The amount in question is {$480.00}. 

The reasons for my dispute are as follows : XXXX. **Lack of Knowledge : ** I have no record or recollection of this charge. I have not authorized any transaction for this amount, nor have I received any goods or services corresponding to this charge. 
2. **Verification Request : ** I request that you provide detailed information and documentation to verify the legitimacy of this charge, including the date of the transaction, the merchant involved, and any supporting documents.

3. **Excessive Communications : ** In addition to the lack of knowledge about the charge, I would like to dispute this amount due to the excessive calling and communications beyond what is considered reasonable. I have been subjected to an overwhelming amount of contact regarding this charge, which has caused undue stress and discomfort. 

I request that XXXX XXXX cease any collection activities related to this charge until this matter is fully resolved and the charge is verified. Please acknowledge receipt of this letter and inform me of the steps you will take to address my dispute. I can be reached at the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. I have tried numerous times to dispute this with you to no avail. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report from the XXXX Police Department and proof of my identity/address. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

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

XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. XXXX  XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

I made XXXX, Experian, and XXXX aware of info that was not accurate being reported in my consumer report on XX/XX/year>. It has been over 30 days and I have been yet to be notified of investigation results. The inaccurate information has yet to get removed from my report. Below is the letter notifying them that they have not complied as well as the original letter sent on XX/XX/year>XXXX XXXX
Product: Credit card or prepaid card

My husband died  in XX/XX/2019 after an XXXX XXXX. He was XXXX years old and a XXXX veteran. 
I called the 800 phone number on his credit card to close the account. I requested that the reward points on the account be awarded to me. I was told that only if I paid the balance on the card would I receive the points. I requested copies of the recent bills to confirm the pending charges. The balance was paid in full. 
I made numerous phone calls over several months to learn the correct process and mailing address to make a claim for the reward points. I received incorrect and conflicting information. One letter was returned undeliverable. 
A few weeks ago, I finally received a form letter indicating that I was never eligible to receive his reward points.
Product: Vehicle loan or lease

XXXX XXXX XXXX in XXXX tricked me into purchasing a vechicle which was about {$5000.00} over priced. They did not inform me that the car was only worth {$6000.00} at the time. I did not find out until I attempted to refinance. The bank informed me I owe 2x what the car is worth. My payments have always been on time. But still I can not get refinanced. The XXXX XXXX location I purchased the car from has since been closed down for fraudulent practices. I am now stuck with a 18 % interest rate and a car unable to be refinanced. Safco the lender stated to contact XXXX XXXX. They refuse to work with me.
Product: Credit card or prepaid card

On XXXX a charge of XXXX was charged to my account from a XXXX XXXX store in California I was in Texas, the state in which I reside in, When I noticed the charge on my account I filed a dispute with First Progress. The company rejected the dispute and would not give any explanation of how they came to the decision or provide any documentation on how they came to the decision.
Product: Credit reporting

Equifax is continually reporting inaccurate information although I have provided documentation to the contrary twice before. The issue is under the category Public Records, Equifax is reporting that I have a civil judgement of eviction, this is incorrect. 
I was not evicted from my apartment ; I was able to pay the rent arrears in full before a court-appointed deadline. I only received a Notice of Petition -- I was never evicted from my apartment. I have provided documentation of my XXXX County Civil Court Case Summary showing : ( 1 ) I was granted XXXX extensions and then a full payment was made. 
( 2 ) The vacate judgment outcome is Inactive and Discontinued ( not a judgment of eviction ), meaning it was paid before the court-appointed deadline ; therefore, no civil judgment made. 
I have contacted the other XXXX credit bureaus, both bureaus, which corrected the error immediately months ago. Equifax refuses to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with Phoenix Financial XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows Phoenix Financial service opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!
Product: Credit reporting or other personal consumer reports

I am assuming you are the proper XXXX XXXX XXXX affiliated with corrupt vp XXXX XXXX and XXXX. XXXX XXXX of XXXX XXXX XXXX  in the same community that prior to any conflict with my mortgage broker chase YOU paid my taxes in XXXX XXXX XXXX  and Why? 

Whatever action of all involved would be fraud in support of illegal XXXX immigrant XXXX XXXX XXXX fake XXXX XXXX and XXXX a fake doctor I reported as XXXX to XXXX. Stole my identity under my loan XXXX using a fake loan from XXXX XXXX of XXXX XXXX XXXX as XXXX for XXXX and then cash XXXX chase escrow account checks at XXXX XXXX XXXX XXXX and reported Forgery to XXXX XXXX XXXX XXXX as XXXX. 

XXXX  announced XXXX  - XXXX XXXX  Resolve date XXXX. 

XXXX confirmed my loan XXXX paid in full XXXX around XX/XX/year>. Includes XXXX  XXXX # XXXX So explain why did you pay taxes at XXXX XXXXXXXX XXXX XXXX XXXX XXXX?
Product: Credit card or prepaid card

This complaint concerns Synchrony Financial. Synchrony Financial offers store credit cards with deferred interest. I had a store credit card with XXXX 's XXXX. Another furniture retailer, XXXX XXXX XXXX XXXX was able to use this existing account to process a transaction. The terms of the transaction were such that I was able to get 18 months no interest on the purchase. The purchase was for XXXX. Due to an issue with the store, I sought a refund and the store agreed. The store put a XXXX credit. However, instead of XXXX out the account, Synchrony applied the credit to a different Synchrony account I had with another vendor, XXXX XXXX. The XXXX XXXX card had a larger balance and a longer no interest term, ( 4 years instead of 18 months ). I believe this was intentionally done by Synchrony. Now I have to make two monthly payments instead of one, and I have a high balance on account with a shorter no interest period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX or XXXX XXXX will not change the status of an account showing to be paid off instead of written off they took the money from my check and for some reason XXXX XXXX, XXXX, and XXXX   will not fix this other then saying they investigated and left it on my report as a negative status, i have the court papers and garnishment papers from my place of employement showing that they received this money also my pay stubs. these credit reporting companies do not care to listen to the consumer it is all about the companies lying to them saying that the status is correct.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Book, Inc ) due to inadequate customer service and unfair practi6, 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. Futhermore, 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: Vehicle loan or lease

I had an auto loan with this company. I got out the loan by trading in a car and the loan was paid off over 2 1/2 weeks ago. Flagship has not reported this loan paid and effecting my score. 

Flagship does not accurately report.
Product: Debt collection

I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with the. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting incorrect late status on my credit file : 1. XXXX - reporting incorrect lates from XX/XX/XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - reporting incorrect late 120 & 180 day status 3. XXXX - reporting incorrect late 120 day status 4. XXXX XXXX XXXX XXXX reporting incorrect 120 days late on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX reporting incorrect late 120 & 180 day status ( maybe a duplicate account ) 6. Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The below items never belong to me and is reporting on my credit file : 1. XXXX XXXX - This is not my account 2. XXXX XXXX XXXX - This is not my account 3. XXXX  XXXX XXXX - This is not my account or a duplicate of another 4. XXXX  XXXX XXXX - This is not my account 5. XXXX XXXX XXXX - This is not my account 6. XXXX - XXXX XXXX - This is not my account 7. XXXX XXXX XXXX - XXXX XXXX XXXX This is not my account 8. UNKNOWN ACCT ( Bal : {$100.00} ) - This is not my account
Product: Debt collection

I had a XXXX week trial of XXXX XXXXXXXX. The XXXX said if I returned them I would not be charged. After XXXX days it was apparent that they did not work. I returned them I have a receipt. The XXXX said that he would take care of it and I would be charged anything. Well after XXXX months I started getting phone calls and credit card bills. At first I didnt know who it was. Then I figured it out and called them. The credit card company, comennity, said the dr. Did not return them in time and I owe XXXX. In late fees. Ill send you the bills if you need them. So now I have a negative on my credit. No fault of mine. I need help.. thanks. Call me XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed as XXXX XXXX was paid for deletion on my credit. The account was paid back in XXXX XXXX XXXX insists that they sent a request for deletion to ALL three major credit bureaus on XX/XX/2021 however, it still appears on my Equifax report . I am at the closing stage of purchasing a home and this will prevent me from doing so.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Several hard inquiries have appeared on my credit reports that I do not recognize and did not authorize. These inquiries are fraudulent and do not reflect any actions Ive taken. 

The inquiries in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not apply for credit with these companies or authorize these inquiries. I first noticed this issue while reviewing my credit report, and the inquiries range from XX/XX/year> to XX/XX/year>. 

These unauthorized inquiries violate the Fair Credit Reporting Act ( FCRA ), which prohibits inaccurate or unauthorized information from being reported on a consumers credit file. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy in credit reporting ( 15 U.S.C. 1681e ( b ) ), and creditors or data furnishers must not submit inaccurate information ( 15 U.S.C. 1681s-2 ). Furthermore, the FCRA grants me the right to dispute inaccurate or fraudulent information and mandates that disputed items be investigated and corrected or removed promptly ( 15 U.S.C. 1681i ).

As soon as I identified the fraudulent activity, I placed fraud alerts on my credit files and contacted the credit bureaus to protect against further unauthorized actions. These inquiries have negatively affected my credit score and do not represent my financial behavior.

I am requesting a thorough investigation into these inquiries and that they be removed from my credit reports immediately in compliance with the FCRA. I also ask for written confirmation that these inquiries have been removed and that my credit report has been corrected.