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

I recently reviewed my credit report and noticed an account that was not reported accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates. XX/XX/XXXX and XX/XX/XXXX. Im now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

I have a late payment reporting on my credit report from XX/XX/2020 in which is inaccurate. I have never once been late on my payments for any of my accounts and actually this account is and has been set up on autopayment. i have spoke with someone way back when and was advised that they would remove it and it still 2 years later is reporting on my report.
Product: Debt collection

CREDIT COLLECTION SERVIC XXXX # XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I have written to them several times and call them to send me proof that this is in fact my debt. No XXXX time they sent me a contract with my information and signature. This has caused harm to my credit profile and prevented me from getting favorable debt.
Product: Credit reporting or other personal consumer reports

I received your response XXXX ( XX/XX/2024 ) that you need my updated email address which is ( XXXX. ) I sent a complaint on ( XX/XX/2024 ) to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXXXX - XXXX - {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired on buying a truck from XXXX XXXX XXXX in XXXX, AL. I asked the finance guy not to send my information everywhere. He said that he wouldn't. My credit report shows he sent my information to four different places on XX/XX/2018 and five different places on XX/XX/ 2018. I have exhausted almost every avenue to fix this issue. PLEASE HELP!!! -XXXX XXXX
Product: Checking or savings account

Please add this information to [ Case number : XXXX ] ; On XX/XX/XXXX I spoke with a Bank of America Regulatory Representative and still very dissatisfied, first the regulatory representative claimed the 20 minute wait after a restriction has been removed from their card does n't exist, yet the representative from their Security Fraud advised me on XX/XX/XXXX there is a 20 minute wait time after they remove the restriction from their accounts and any transactions made prior to the 20 minutes will automatically cancelled. After speaking with her and I then requested to speak with her manager and received a call from this Manager who she identified herself as VP. She had so many inconsistencies with how she was explaining what happened, first she claimed they could n't locate the calls, then a few minutes later she claimed they had n't reviewed the calls and was disputing everything, which was told me by the fraud department. I do n't know why they ca n't locate the calls being that the calls were made via using the Bank of America Mobile app ; also, she tried to coerce me into signing Merchant transaction dispute, but claiming their investigation was still pending and also claiming the transaction was processed and paid on XX/XX/XXXX, which again goes hand in hand with their poor accounting practices ; on XX/XX/XXXX Bank of America, claimed the transaction was never processed and cancelled due to being marked as duplicate charge. I explained to Bank of America, this the Financial Institution, I trust with my funds each month and I come to regarding transactions, and not only did one of the representative, provide me with inaccurate information, but it was multiple representatives and Bank of America needs to be held accountable and take responsibility for their poor customer service, as a Business this is not acceptable, I trust them with my monies and no I will not file any merchant disputes at this point in time, because this is n't error on my part or the merchant error, Bank of America solely caused this issue. On XX/XX/XXXX, I contacted my merchant by email and explained the transaction had been cancelled by my Bank due to them flagging is as fraud and proceeded to place a new order for XXXX, I then had 2 transactions of XXXX debited from my account and at this point and not disputing any charges with the merchant. Also, when Bank of America contacted me regarding my Complaints filed, I did n't know if it was fraudulent company, because the name of the company shows on the caller id as a XXXX XXXX XXXX and when I contacted the number XXXX, it also states this is name of the company and only the representatives state she was Bank of America representatives.
Product: Credit reporting or other personal consumer reports

They did not remove bankruptcy from my public records. It has not been verified by the courts.As per the court clerk
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I attended XXXX University for XXXX semester. My former employer XXXX XXXX was supposed to pay for it but didn't. In XXXX I was laid off due to the pandemic. I went months behind in rent and then when I got back to good standing, I attempted to make payment on the tuition. I made one payment in XXXX of XXXX and in XXXX I found out that it was sent to collections. I paid off everything in full once I found that out. 

Recently I tried applying for a house ( to rent ), and I have been denied upwards of XXXX applications due to this situation being on my credit report. I check my credit via Experian and XXXX, and turns out this was sent to collections in XXXX of XXXX and I had no knowledge of it, no communication was sent to me stating this. 

I have submitted several disputes to both Experian and XXXX attempting to remove this and all they have done is shorten the collection time period to the month of XXXX. 

There has to be some way to get this removed from my credit report, I have exceptional credit history and this is denying me housing applications.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which go against the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has 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. Those actions have caused significant inconveniences and financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My ex wife used my information to open a XXXX account and i guess she didnt pay it. She is using my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct my personal information on all three of the credit bureaus, however I have not received a response from any of them. On XX/XX/2021, I sent a letter requesting that credit bureaus correct my name, address, phone number and employment. I have several different names, addresses and employment information that does not belong to me. I also have over 9 public records on my credit report that do not belong to me. I have not been contacted by any of the credit bureaus to validate this information on my credit report. In addition there are unknown credit accounts on my report. I am requesting that the Consumer Financial Protection Bureau investigate my claim and hold the credit reporting agencies accountable for the misinformation that is being reported to the public without validation. I demand that this misinformation be deleted and that my personal information be corrected immediately. The credit bureaus have not responded in a timely manner ( within 30 days ) and I should be granted my request immediately. I have enclosed the letters that were sent to the credit bureaus on XX/XX/2021 for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent letters to report inaccurate accounts on my credit report. I was not informed of these debts and as the original debtor, I should have been. I would like these removed from my credit report which is causing some hardship, and to be furnished with new credit reports with them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to permanently delete the negative item on my report that is paid. Details and proof is in the attachments.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card

I made a purchase through XXXX to a company in XXXX. XXXX completed the foreign transaction and the seller was charged the foreign transaction fees. On my last credit card statement I was charged a foreign transaction fee. This fee is fraudulent. The credit card company did not process a foreign transaction and therefore can not charge a foreign transaction fee. Their excuse was there is XXXX writing in the description.
Product: Credit reporting or other personal consumer reports

Inaccurate and unfair credit reporting following a XXXX XXXX and miscommunication by Truist representatives. 

Complaint : In early XXXX, my XXXX XXXX XXXX. I immediately notified Truist, who informed me that I would not be required to make loan payments while my insurance and GAP coverage were being processed. I spoke with multiple representatives at Truist, all of whom confirmed this pause in payment responsibility. 

It's very important to note that Truist Bank forwarded all of my calls to individuals who clearly didn't live in the United States nor spoke XXXX as their native language and there were significant communication breakdowns due to this. Additionally, individuals not living in the US may not understand our credit system and can not adequately provide guidance to American  consumers. 

This stated, without warning, the account was reported as delinquent. I was never notified by Truist that the loan had gone into delinquency. I only found out after my credit score dropped dramatically from XXXX to XXXX. As soon as I became aware of this, I paid the full remaining balance of approximately {$1800.00} that same day. 

Truist refused to make any correction or remove the delinquency. Instead, I was told to dispute it with XXXX. After doing so, XXXX  responded that the account was updated but sided with Truist, and the negative mark remains. 

This damage to my credit occurred because I relied in good faith on incorrect information from Truist employees. I was the victim of a theft, responded responsibly, and resolved the balance immediately once notified yet my credit was severely impacted. 

Lastly, Truist has now prevented me from accessing the paid off account for any documents associated with my account. I can't even find the account of my Truist portal anymore. Therefore, I can not review the loan agreement terms to ensure they aren't altered. I also can not view any of the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit agencies seem to go against the laws of the FCRA and the FTC, I have disputed these unauthorized inquiries for months and the 3 credit agencies all seem to report them back as verified. Verified by whom, until these 3 major agencies send me some type of physical documentation of these unauthorized inquiries then the inquires shall be removed/ blocked immediately. And these unauthorized inquires are 1 ) XXXX XXXX XXXX  ( XXXX ) 2 XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX XXXX XXXX ( XXXX ) 5 ) XXXX ( XXXX )
Product: Mortgage

In general I am writing to complain about a lender ( XXXX XXXX, Branch Manager of the XXXX Wa Branch of Pacific Union Financial ) who has been dishonest, unscrupulous and misleading through this whole process. In XXXX I started a refi of my existing rental house to pull cash out to buy another rental. The lender from the start was trying to make me lie and say I was purchasing the new house to live in. He wanted me to create a bogus lease agreement of my personal residence to fool the underwriter. He also wanted me to falsify the lease agreement for the existing rental house. His intention was to try to get me a better rate. When I refused, he finally put together a loan app that was correct. On XX/XX/XXXX I was given a specific amount for cash out in the loan application. Our closing date was for XX/XX/XXXX to do the cash out refi and the purchase all at once. On XX/XX/XXXX I received the mortgage disclosure statements and the closing disclosure statements for both loans on the same day. The appraisals had been done weeks ago. I was never told that the loan was changing at any point. When I was going through the documents, the amount of the cash out had dropped by over {$10000.00}. I was shocked. I was never informed of this. The reasoning was apparently the house did not appraise for the amount he had originally put in the loan app. At no time did he ever tell me of this drastic difference. If I had known, I would never have done the refi. I would have simply obtained a line of credit. When I confronted him about this he refused to acknowledge the problem and just kept telling me I was demanding and rude. When I asked him again why there was a discrepancy ( on the day of closing ) he refused to answer saying he didn't know what I was talking about and persisted in arguing with me at how rude I was being.Totally unprofessional. I finally got a response from him later after the closing was complete but never a resolution as to why he didn't inform me so I could remedy the situation. Bottom line is he just wanted to get his fee and knew I would cancel the deal if I had known and had time to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish A account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I noticed a {$950.00} charge off listed by Kohl 's. On XX/XX/XXXX I sent a written request by certified mail to Kohl 's requesting verification of my signature as proof that this charge off is accurate. Kohl 's signed for my certified letter on XX/XX/XXXX. Kohl 's responded on XX/XX/XXXX with a computerized bill that did not bear my signature nor any signature for that matter. I sent a second request certified on XX/XX/XXXX of which kohl 's signed for on XX/XX/XXXX with no response and a third written request sent certified on XX/XX/XXXX of which Kohl 's signed for on XX/XX/XXXX and again failed to respond. Per the FDCPA Kohl 's is required to send my verification that I have an agreement with them to pay the {$950.00} with a document bearing my signature of which they are refusing to do. Kohl 's also failed to follow the FCRA 623-b, 623-a-3 and did not mark my credit report as disputed with in 30 days of my written request for an investigation sent by certified mail that they signed for on XX/XX/XXXX. Kohl 's has not responded to my last two written request but are continuing to report to the credit bureaus ( XXXX, XXXX, XXXX ).