23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, XXXX, and Transunion credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry This account shows on my Equifax. This account is not a legitimate inquiry. Nor do I have an account with them. I have contacted both the company and the Bureau. The creditor never responded and neither did Equifax. Equifax is not reporting accurate information and is stopping me from getting a Business loan. 


XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting

account from XXXX is over 5 years old. This should have been taken off my credit report already and it 's keeping my score down and hindering me from purchasing my first home. I attempted to dispute it with Transunion and the company took more points of my credit score and they reported it again. Please remove from all XXXX credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified several instances where Experian and XXXX have failed to comply with the FCRA, specifically 15 U.S.C. 1681, 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681 Section 602a, 15 U.S.C. 1681 Section 604a Section 2, 15 U.S.C. 1681c ( a ) ( 5 ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ).

The violations that I have uncovered are as follows : Inaccurate Reporting : Upon reviewing my credit report obtained from XXXX XXXX, I have discovered numerous inaccuracies that are inconsistent with my credit history. These discrepancies, including incorrect dates ( last verified, opened and/or closed, and last activity ), balances, and account status, have a detrimental impact on my creditworthiness and financial well-being.

Failure to Conduct Reasonable Investigations : According to 15 U.S.C. 1681i ( 5 ), it is the responsibility of Experian and XXXX to perform a reasonable investigation upon receipt of a consumer dispute. However, my investigation reveals that Experian and XXXX have not fulfilled this obligation adequately. They have failed to correct or respond to the disputed items within the statutory timeframe, impeding my ability to rectify the inaccuracies in my credit report. 

Failure to Disclose Information : Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), Experian and XXXX are required to disclose complete and accurate information to consumers upon request. However, I have encountered difficulties in obtaining comprehensive information regarding the sources and nature of the reported items. This lack of transparency hampers their ability to verify the accuracy of the reported information. 

Inadequate Data Security Measures : I have uncovered concerns regarding the effectiveness of Experian and XXXX 's data security protocols. In light of the increasing prevalence of identity theft and data breaches, it is essential for Experian and XXXX to maintain robust measures to protect consumers ' sensitive information, as mandated by 15 U.S.C. 1681 Section 602a. 

These violations by Experian and XXXX undermine the integrity of the credit reporting system and have a significant impact on my financial well-being. Therefore, I urge you to investigate this matter and take appropriate enforcement actions to ensure compliance with the FCRA. 

I have enclosed supporting documentation, including copies of my credit report, highlighting the reported inaccuracies and inconsistencies. Kindly acknowledge receipt of this complaint and provide updates on the progress and resolution of the investigation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these violations and protect the rights of consumers under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company called XXXX Wrongly placed a late payment on my account in error. A representative from the company told me over the phone on XX/XX/2023 and XX/XX/2023 that they are having this with a lot of other students and that for me to dispute with the bureaus because its faster and they notated their accounts as well. I attached the letters that came from them about the mistake. They are calling the late " interest rate freeze ''. PLEASE REMOVE THAT LATE OFF ALL 3 BUREAUS REPORTING FROM THE COMPANY CALLED XXXX. IT WAS AN ERROR ON THEIR END AND I DO NOT WANT IT SHOWING UP. ITS AFFECTING MY CREDIT!
Product: Debt collection

On the morning of XX/XX/XXXX, XXXX XXXX contacted me by phone stating she was calling from XXXX representing mypaydayloan.com on a loan taken out in XXXX for XXXX. She stated that I would have a warrant and subpoena sent to my employer for garnishment of wages and that I would have to show up in court and that she would be reporting this information to the credit bureaus and check companies. She also stated that the post office told her that there were certified letters sent to my address over the last few years to which I told her that I never received any letter. I notified her that this company filed a claim in my bankruptcy case to which she stated that this was a crime and considered a bad check and can not be included in a bankruptcy. I hung up on her and contacted the post office in XXXX TN to inquire about the certified letters to which the supervisor told me this was not true. I also reached out to mypaydayloan.com to find out what was going on to which the agent told me he saw the emails back in XXXX where the collections XXXX XXXX got the case info, attorney, etc from me to file the case. He also informed me that the collection agency to contact was XXXX XXXX XXXX  to which ara is a third party of them, but could not tell me why my case went to collections after the bankruptcy case information was provided to them. The information was given to them in XXXX of XXXX but turned to collections in XXXX of XXXX. I called XXXX XXXX and was told the account should have never been turned to collections and should have been categorized as bankruptcy. The rep XXXX XXXX has threatened me with garnishment, a subpoena, a lawsuit, credit reporting. She did not state that she was attempting to collect a debt at no time whatso ever during the call. I asked her numerous times if she could provide me with something in writing to which she would not do although I asked. She did not try to help me figure out what was going on or try to resolve. She just threw out mediation, garnishments, etc. She also would not give me a case number. The people I spoke with was XXXX, a supervisor at mypaydayloan.com ( XXXX, Supervisor at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ext XXXX. I have a transcription of XXXX XXXX 's voicemails as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX XXXX for over ( 3 ). 
I have spoken to several Store Manager, Supervisors concerning this matter. I have attempted to set to their billing department from the beginning because the initial credit amount issued was more but, I only used what was needed and per their policy after 48 hours any unused credit would be removed and I would only be responsible for the amount I charged. One major component of this promotion was the offer 36 months No Interested if you paid of the debt with 12 months. I paid off the debt in 10 months. My Last payment to them was on XX/XX/XXXX for the total of {$1000.00}. When I paid that account through my check and cleared I call them and they stated the credit report would be updated and no interested would be charged. Now they are continuing not updating my credit to reflect non payment which is negatively affecting my ability to maintain good credit. Now they refuse to talk to me and just hang up. 
This is the account information : XXXX XXXX Account # : XXXX Past Due Amount : {$0.00} Due Date : XX/XX/XXXX Your assistance would be greatly appreciate it resolution on this matter.
Product: Checking or savings account

This is the list of unauthorized fraudulent charges I have repeatedly reported to Cash App, but have not been refunded. I have told them my account has been compromised. I have locked the debit card and still to this day charges keep coming in that are being blocked by the card being locked. For instance I just had a charge try to be made today XX/XX/2023. I reported it immediately to Cash App support and they did nothing to help and denied my claim. I will be adding screenshots of the communication shortly after submitting. Below is a list of the unauthorized charges that had been debited to my account and not refunded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am seeking reimbursement for these charges as they have a duty as my financial institution fiduciary to protect my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report was recently downgraded by 152 points ( it was above the 800 ) with no apparent reason. Trying to communicate with Equifax to find out the reason has been a cross between a nightmare and a joke. I can not get anyone who speaks clear English and all they do is argue that they are speaking English ( at least I think that is what they said ). I want to make contact with a clear speaking person I can understand and find out why they have my credit rating so low. Their customer service stinks ... .they just argue and argue with me about what a good job they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of *Fraudulent Account -- -Account Number, Opened Date, and BalanceXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address showing on my Experian report that doesn't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX It reported on XX/XX/2023 It was previously on my XXXX report but its since been removed
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO EXPERIAN, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

1. Round 1-Under 15 USC 1692g . Validation of debts XXXX XXXX  XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Round 1-Under 15 USC 1692g . Validation of debts XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft. As a result, I am requesting the blocking and permanent deletion of certain accounts and inquiries on my credit report as permitted by the Fair Credit Reporting Act ( FCRA ) under 605 ( b ) and 15 USC 1681c-2 ( a ). 
Please find below the details of the accounts and inquiries that I am disputing as fraudulent : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Midland credit MGMTXXXX XXXX XXXX  are debt collectors... they buy bad debts... .they have no legal standing to contact, discuss, demand, nor report anything on my credit report. They do not have the original agreement binding their Company and Myself to ANY lawful contract. They are act unlawfully, and fraudulently... posing as the original creditor.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX REQUEST NOTICE XX/XX/year> I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair XXXX reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( XXXX XXXX XXXX Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSED TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( XXXX ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph XXXX, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit card or prepaid card

They will not allow me to allocate, or determine, where my payments go. Specifically, to the 0 % Intro APR promotional balance, which will expire soon. They will only apply the minimum payment due to the promotion, applying the rest to the higher interest. I understand that, by law, if a consumer does not specify the higher interest balance is paid first. But, I specifically requested that additional payments go to the promotion and they denied that request, time and time again. Which will now make it impossible for me to pay off the 0 % Intro Balance prior to the expiration. Discovers T & C does not state, anywhere, that you are not entitled to specify how your payments are allocated.
Product: Debt collection

On XX/XX/year> I contacted company requested a letter of validation from IQ data Interntaional following that I asked was the debt disputable due to it effecting my credit she responded no stated it was not disputable therefore I requested the letter of validation which I have yet to received. Following that I mailed a letter of validation to the company, and they have yet to responded but in a phone call they stated they received the letters and was not sending out a letter of validation. Also stated they didn't want to talk unless we were paying the debt in full.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). This did not happen.
Product: Mortgage

ON    XXXX   XXXX   XXXX     I was called by  XXXX   XXXX   XXXX  and a representative spoke with me about refinancing. I told him that I had spoken with someone and I had to pay off some debt to bring my  credit score u p and he said you only need  XXXX  and I said ok. I was transferred to  XXXX   XXXX   XXXX  and explained the situation and he said no problem we can do something. I called this morning and he get to explaining that we had too much debt and my  credit score  was too low ; all what I told him in the begining. I also told him his representative dont know nothing and do not have the right to tell you anything. I said then why do he work for you. We went on and on and he said you have too much debt and could not help. I said I told you that in the beginning. I dont know if they get anything for seeing if the people do qualify and they dont. Can something be done about companies trying to say they can help after you explain the situation and dont help.
Product: Checking or savings account

A few days ago I noticed that when my phone was stolen, someone sent money from my cash app to someone I don't even know. I filed a dispute with customer service directly on the phone and was told that I would be getting my money back for all the transactions within XXXX business days. Not even 2 hours later I received an email stating that my claim was denied! I told the customer service rep that I made a police report for proof of the unauthorized charges as well and yet these people seriously just don't even care! I requested the information they used to come up with the denial and I was ignored. I've sent more emails to this company about getting my money back and yet they continue to ignore me. Cash app is a joke
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed an account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove this account : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of america blocked me from viewing my balance or transaction history for my unemployment card then botched claims I tried to file for ocerva year still haven't gotten my XXXX grand back I lost my apartment all my belongings my cat and my mind