23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have previously submitted several disputes to Experian regarding my payment history on my XXXX XXXX account. Each time I submit a dispute and provide documentation to support my dispute they state that they can not use the information which in many cases results in my credit report staying the same. Recently XXXX XXXX added a repossession to my credit report on XX/XX/XXXX for the month of XX/XX/XXXX. This lender reported payment status never appeared on my credit report in the past and when I attempted to dispute this with Experian they stated that XXXX said it was valid. This lender reported status was added to my account almost 21 months later without any notification or supporting evidence to show its was valid. In addition to the repossession, XXXX XXXX through the use of the CFPB agreed to change the delinquent status for XX/XX/XXXX on my credit to reflect a positive status. XXXX XXXX never changed the status and a dispute was opened. A copy of the CFPB investigation results presented evidence from the response received from XXXX XXXX that they were to change the status, but Experian failed to utilize this document and again allowed XXXX XXXX to add this information to my report. Also XXXX XXXX has added a XXXX past due for the month of XX/XX/XXXX. This is inaccurate as my XX/XX/XXXX payment is not due until XX/XX/XXXX. Experian seems to allows these inaccuracies to remain on my report without even validating them. After several phone conversations with both XXXX and Experian the issue comes down to date the information was reported. In XX/XX/XXXX Experian stated that XXXX reports the XXXX of each month, but XXXX states that they report the last day of each month. On XX/XX/XXXX I spoke with Experian who stated that XXXX reports to them on the XXXX day of each month which then raises a red flag about some of the statuses on my account. Attached are my past XXXX XXXX XXXX and updates dating back to XX/XX/XXXX. As you see that no repossession was ever reported on my account until XX/XX/2015, also the payment status for XX/XX/XXXX was never changed as stated in the CFPB investigation response. Again all Experian does is call the creditor and ask if the information is valid and pending on what the credit says is how the information is added to the report. Please help because this really making my finances difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRY : XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

CREDIT ACCEPTANCE VALID TO GIVE ME INSTRUSCTION TO VALIDATE DEBT, DIDNT KNOW COMPANY WAS A DEBT COLLECTOR
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX : XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX  XXXX XXXX : {$0.00} U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX, XXXX, A XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulty disputing wrong information on my Transunion credit report. It gives direction to make disputes online. It will NOT let me dispute online, information will NOT go thru. I called the  XXXX  number to dispute the report as instructed. The foreign speaking rep tells me he can only answer questions he can not fix anything. He then refers me to  XXXX   XXXX . I called and to my disbelief the exact same gentlemen answers the phone telling me the exact same thing that he can only answer questions. He tells me I can talk to consumer monitoring service. I insisted I do not want consumer monitoring service, I want to dispute my report info. After arguing he connects me with the surpervisor  XXXX  who tells me to call the same number he just told me.She tells me to talk with consumer monitoring service and they can change my info. She says I can not access online because I dont have any credit or loans out.?????? She tells me to call same number he did. She connects me with credit monitoring service. Customer service answers tells me she can not help me I have to call the number I already did. So she says she will connect me. Phone loop starts and then tells me I made to many attempts and hangs up
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXXXX/2010 shows late. This account was paid and closed from collections. It listed as late to date and has been listed for more then 7 years, this is illegal. It had credit score lower then correct number and has caused damage to loan approval. My XXXX and XXXX is XXXX score whike experian ia the continual problem and non truthful reporting.
Product: Credit reporting or other personal consumer reports

I want your agency to reinvestigate this public record information listed on my credit report. Because of some errors that I found on there that is being reported across my credit reports inaccurately. And this violates my consumer rights according to the Fair Credit Reporting Act section 609. You can clearly see that the court name is inconsistently being report across my credit reports and the reference numbers are inconsistently being reported across my credit reports to. Remove this public record information from my credit report for the following reasons. Please See Attachments.
Product: Checking or savings account

XX/XX/year> i got paid {$1200.00} and my bank account was frauded and 6 transactions were made under a forien lable In the amounts of {$19.00} and XXXX XXXX. The amount taking was roughly {$1900.00}. Fifth third bank ( XXXX ) was contacted on XX/XX/year> after they sent multiple text notifications regaurding suspicion activity and a dispute was filed along with new card ordered. This dispute was denied by the bank and are fusing to pay out my money I made working at XXXX. Payroll has removed the bank from my paychecks and XXXX has been notified as well. I am trying to get back my money that was stolen from obvious fraud that the bank knows was fraud.
Product: Credit reporting or other personal consumer reports

The account starting with XXXX with the balance of {$4600.00} payment information is incorrect. The loans have been in deferment since XXXX  when the pandemic started. I contacted XXXX to let them know and dispute the info. The other accounts were corrected but this account was not.
Product: Credit card or prepaid card

Good Afternoon, I purchased shoes in Macys in New York XXXX XXXX on XX/XX/XXXX for vacation to XXXX and then a cruise. When I got to Florida on XX/XX/XXXX, I saw the shoes the Macys associate put in my box were the same feet. So I went to the XXXX XXXX  Macys store in Florida and returned the shoes and bought new pair of the exact same shoes with the right feet. The associate took my receipt and told me I would receive a check for the refund from Macys for the shoes I bought in New York and she processed the return for the shoes. The associate gave me a new receipt from XXXX XXXX  for the second pair of shoes, which I attached the receipt to this email. I never received the refund check for the pair of shoes I returned. 

I called Macys at the XXXX XXXX in Florida where I made the return and got the right pair shoes and they said to contact Macys customer service if I dont receive in 3 Weeks. I still did not receive a check and Im out {$51.00} because I paid for the same pair of shoes twice. 
If Macys provided you with the receipt from XXXX XXXX XXXX in New York you will see I purchased the exact same item in Florida. 
Macys keeps bouncing me around. I disputed the card with Citi the merchant responded and Citi asked me for my return receipt. Despite the fact I let them know the lady took my original receipt and made the return. I only have a receipt for the pair of shoes I purchased in Florida. ( The exact same pair ). 
Citi bank reversed my credit and now I am stuck paying for the same pair of shoes twice! Citi bank needs to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.Q. DATA INTERNATIO is a company reporting that I have NOT paid off {$1200.00} on my credit. I have paid this company, but they are asking me for a total of {$9000.00} to get it taken off of my credit because of another account that is not on my credit. I tried to contact them to have what was on my credit taken off, but they demand a larger amount than what is being reported on my account. I have the payment latter stating that I have PAID IN FULL. But they still will not remove this.
Product: Money transfer, virtual currency, or money service

Cashapp/ Square Inc. closed down my account! They will not allow me to return my remaining balance in the app back to my bank. I have my bank XXXX linked to transfer the remaining funds but on the end of Cashapp/ Square, Inc. they wouldn't even lift a finger to help. Everything is automated responses and there is literally no actual person to contact to even explain the situation. At this point all I can do is stare at the number ( {$1800.00} ) on the screen. I just want my money back it's unfair that Cashapp/ Square,  XXXXnc. feels it's okay to reprimand me and pigeon hold the funds on my balance. At this point I consider this theft, I want to try everything possible before I take legal action involving a lawyer and judge. Unfortunately my hands are very close to being forced down that direction, if I can not receive any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices the violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under under the electronic fund transfer act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Currently I have been in the process of getting a mortgage. I started this process back in XX/XX/XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX-experian, XXXX XXXX, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, 500 increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX Experian a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originak signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verificable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verificable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately. in addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on 7/20-30, 6/20-30, 5/20-30 does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was surprised to discover several negative marks classified as " Late Payments ''. This is contradictory, as I have always made my payments on time. This situation is significantly affecting my ability to access credit, which has a direct impact on my personal and family life. According to the federal regulation 15 U.S.C. 1666b regarding the timing of payments, a creditor may not consider a payment to be late on a credit card account under an open-end consumer credit plan unless it has established reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment is due. Given the above, the presence of these " Late Payment '' marks on my report appears to indicate a possible violation of that rule. Therefore, I believe that an immediate review and correction of this information is essential, as it affects my rights as a consumer and limits my access to credit opportunities.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I contacted by Ms. XXXX from phone number XXXX. She stated there were charges pending against me. That if I didn't pay her, she would send my case to the federal court and sheriff. I would be arrested and charged for check fraud and other fraudulant activity for a payday loan. I have had loans in the past, and I was and am scared. 
I have to pay 3 {$500.00} payments. The first payment was on XX/XX/2021. I have an email receipt and it is noted on my bank account. My next payment is XX/XX/2021. 
Ms. XXXX said this loan is from XXXX XXXX, a large bank, and there is no way to determine whom the original loan is from. 
I am scared. I don't want to go to jail. 
This is not my first time dealing with this company. They threatned me and collected when the pandemic started. Ms. XXXX stated that if I didn 't pay, they would put me in harms way with the coronavirus. 
I need help and protection.
Product: Debt collection

On numerous occasions, my wife and I have been contacted by representatives from a company named " Curtwright & Klein, LLC ''. The messages are usually quite vague, stating that the person is " trying to get in touch with XXXX '' ( my brother ) and that they 'd appreciate if we could help them get in touch with him due to an " urgent matter ''. In most instances, only a return phone number is left and no mention of debt collection. 

My wife and I are estranged from my brother and have no way of getting in touch with him. At several points over the last month, we have called this collection agency back and asked to be removed. They have not respected our request and continue to call us. Sometimes it 's a live person, other times it 's a recording, and the caller ID varies. 

Phone numbers used : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Formally request the immediate removal of all negative items from my credit report under the XXXX XXXX XXXX ( XXXX ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified. 

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report. 
Verify the validity of these entries by XXXX. 
Remove any negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Toyota motor credit Account number : Account Number XXXX XXXX XX/XX/2021 payment was late because the phone application deleted autopay information. I was under the impression that the payment had gone through until I got a late payment letter. I have never been late on this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I purchase a home in XX/XX/XXXX, a XXXX XXXX mortgage for a home I do not own was listed on my credit report. 
I reached out to the bank via phone. They confirmed that this mortgage existed & was incorrectly assigned to me & it would be corrected. 
Last year as I applied to refinance a home, this same mortgage was still on my credit report. This time, XXXX XXXX sent me a letter telling me the account was handles appropriately & they didnt need to take any action. 
I dont see this mortgage if I am checking my XXXX XXXX account, but if the bank pulls my credit, it is there. 
I have tried contacting the credit bureaus, but as it does not show up on my credit, I cant direct them to dispute this issue.