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

Subject : Request to Remove Incorrect Account Status on XXXX and XXXX Dear Sir or Madam, I am writing to dispute the reporting of my credit account status by your organization to XXXX and XXXX. 
According to my records and credit report obtained from XXXX, the account status for my account ( Account XXXX : XXXX ) is reported correctly as 'Paid on time, never late '. 
However, it has come to my attention that the same account is reported incorrectly on the XXXX and XXXX credit reports. 
I kindly request that you update the status of my account with XXXX and XXXX to reflect the accurate status as follows : 'Paid on time, never late ', which is consistent with the information on XXXX. 
Below is my personal information for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/2002 Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I am including a copy of the XXXX credit report that shows the accurate account status. Please investigate this matter and correct the reporting as soon as possible. 
Thank you for your attention to this matter. I expect this issue to be resolved and an updated credit report from both XXXX and XXXX within XXXX  days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Aspire Credit Card has committed an act of financial discrimination by not accommodating me under regulation e for a dispute filed XX/XX/2020. XXXX Credit Card has not fully disclose my terms and conditions they have charged me fees not within my terms and conditions they are in violation of Regulation Z also. I spoke with a customer representative name XXXX she was very discriminatory and didn't help whatsoever she hung up on me on. I have also found a Dodd-Frank violation complaint against customer service rep XXXX who I spoke with today at XXXX Eastern Standard Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX PXXXX  XXXXBalance : {$490.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$110.00} ; XXXX Balance : {$380.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$220.00} ; Medical XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 tak timely and effective measures to prevent and + address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 8K 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 41 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

There is a entry on my credit report that was previously disputed. I reached out the to the company to request a verification of the debt as I expressed that it was not mine and that i was disputing the debt in its entirety. As per the FCRA 30 days elapsed and there was not written response mailed to me so the law stipulates that this must be deleted. I expressed this to Transunion however the entry remains on my credit report, which is in direct violation of the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called Financial Credit Network asking for pay for deletions. They stated that they wont pay for deletions since they have on file the current address. I feel they never sent the initial notification to me, They refuse to help me with this matter.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Address ] [ City, State, ZIP Code ] Subject : Request for Deletion Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.

2. Validate Account DEPT OF ED / XXXX Account Number : XXXX Please investigate and delete from my credit report.

3. Validate Account DEPT OF ED / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX / XXXX - Account Number : XXXX Please investigate and delete from my credit report 5. 
Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report 7. Validate Account XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report 8. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter.

Sincerely, [ Your Signature ] [ Your Printed Name ]
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XX/XX/3016XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off XXXXXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged ofXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiry in Dispute XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these address reports from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been accepting erroneously created late payment entries from my loan servicer. I have sent a dispute form to them before to no avail. This is the second time that I have complained to them regarding this malicious entries posted to my account. I have provide to them substantial proof that I have never been late on my mortgage payments and they continue to post these garbage on my record. 

Their actions have created an immense economic burden to myself and my families well being. I have been denied the opportunity to refinance my usurious mortgage loan, due to the fact that they continue to post these illegal entries. They are not even posting on my account that I have disputed this companies charges, lending credibility to the garbage entries posted by my mortgage servicer XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1700.00} ; 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

I sent TransUnion a credit report dispute concerning their file number XXXX dated XX/XX/XXXX which disputed information contained in this report. My dispute letter was dated XX/XX/XXXX. They did not correct all the items indicated in my dispute letter. Also, they did not provide documentation supporting the uncorrected information, but rather parroted the verification of the entity that originally submitted the adverse information to them. In otherwords they did not do a first hand investigation of the adverse information as required by law. The courts have ruled in XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this type of verification is inadequate.
Product: Debt collection

Did not provide proof of a contract or transaction between the Procollect, LLC and XXXX XXXX. 
Operating as a Collection Agency without a State License.
Product: Debt collection

I receivied a call from a representative from XXXX aka XXXX department last week stating that I owed them XXXX I responded to them that I had no service at XXXX XXXX XXXX XXXX XXXX NJ XXXX in XXXX 2016. 
The representative told me to pay it then dispute it. I kindly denied his request. 
Yesterday, I received a letter of collection from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : 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 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 or other personal consumer reports

Investigation Request to Delete reported data NOT entirely accurate and PHYSICALLY VERIFIED, and NOT certifiably compliant and shown valid! 

I would like to make sure that, in accordance with FCRA requirements, you have and ONLY RETAIN current, true, correct, complete, and mandated reported information. I REQUEST that you REMOVE all information that is incomplete or inaccurate in any way since I have the legal right to do so. 

The information that I discovered to be inaccurate, wrong, incomplete, out of date, not verifiable, and unsupported is all mentioned below. I have not yet received any tangible evidence demonstrating the veracity of the negative assertions made in my report. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) | XXXX - {$110.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX XXXX XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) | XXXX - {$720.00} XXXX | XXXX - {$720.00} XXXX XXXX | XXXX - {$740.00} XXXX | XXXX - {$2700.00} XXXX | XXXX - {$0.00}
Product: Debt collection

XX/XX/XXXX the collection was XXXX  accoint # XXXX i never signed a contract with XXXX. then collection come back as ... I c systems then XXXX XXXX original contract i signed was with XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with all three credit bureau 's and XXXX regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from XXXX stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account :
Product: Credit reporting, credit repair services, or other personal consumer reports

Today when I checked my credit report file, Equifax has lowered my score XXXX points after illegally filing disputes that I never discussed or filed with Equifax. I reported Equifax violations against me in regards to the FCRA and they have retaliated against me. 
I have not had a conversation with anyone from Equifax since XX/XX/2022 pertaining to unauthorized accounts on my credit report. The rep removed the accounts after verifying CFPB, ftc, and police reports. I also disputed an incorrect address that was removed. 
Equifax is intentionally trying to harm me and my credit file/ score for reporting the violations.
Product: Checking or savings account

For the past couple of months, I have been charged hundreds of dollars in overdraft fees because of the way transactions are posted with Chase. They post transactions late so I can check one day Im okay, and the next Im overdrawn but I havent purchased anything that day. Furthermore, I have tried to get chase support to help me turn on purchase notifications, but every time they completely ignore my question. I am unable to turn on any kind of alerts about transactions within my chase banking app. I have brought his up in the past and it has gone ignored every time. Furthermore they also post my weekly direct deposits late. I check this Monday to ensure my account was in good standing, and I even had a friend send me some money to be sure. The next day while Im at work chase posts three transactions, with no notification of any sort, and by the time I get home at XXXX on Wednesday, chase has already taken a third of my paycheck in fees. This has been going on for months. I do my best to keep my account in good standing, but Chase is unwilling to help me fix the issues, and I can not be checking my phone every 30 minutes to see if ill be getting my XXXX XXXX that day.
Product: Checking or savings account

The family took all the documents from funeral home and the church and they all turned on me and now me and my family are XXXX  because my cousin filed a writ because it was her mother 's house that I inherited and they all know I've harassed identity stolen documents also has been altered and they stole money from accounts and took the car that's in my name and they have slandered my name at the courts and financial institutions and lawyers
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT. I as the consumer have attempted to contact this company multiple times to seek remedy & it is believed that this company is using the COLOR OF LAW. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.