23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/23 I received a response from National Credit Adjusters from my inquiry I reported on XX/XX/23. 

Upon reviewing the response from National Credit Adjusters this company is currently attempting to collect the wrong amount {$2100.00}. 

This is direct violation of 15 U.S. code 1692e.

According to FDCPA Im entitled to {$1000.00} per violation and clearly they my rights.
Product: Checking or savings account

I was charged extra money on my bank statement for atm withdrawals
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XXXX
Product: Credit reporting 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 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove 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

on XX/XX/2020 XXXX XXXX and transunion deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did XXXX, transunion or XXXX notify me within 5 days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AKA XXXX is not reporting correctly to Experian that my account was delinquent as of XXXX, 2010. This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current Experian credit report when the credit delinquency if great than seven years. XXXX XXXX were reporting the XXXX 2010 delinquency 's correctly to XXXX and XXXX. The account has dropped off of these credit bureaus due to the 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to XXXX that they correct the credit reporting with Experian. They have refused to do so. Experian defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act. <P/>I have attached a copy of my mortgage Statement dated XXXX, 2010 that shows my payment due date is XXXX XXXX, 2010 which also shows 2 past due payments ( XXXX & XXXX 2010 ). See the bottom of page 2 in the attachment for past due details. I have also included a copy of my XXXX report that shows XXXX XXXX reported me as past due from XXXX thru XXXX 2010.  XXXX and XXXX has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report dating XXXX XXXX, XX/XX/XXXXXXXX, and XX/XX/XXXX XXXX. 
I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( Acc # XXXX ) I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
American credit acceptance is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I called on XX/XX/XXXX at XXXX XXXX eastern standard time and let the representative know I was recording the phone call. I made the company aware of the violations/law they were breaking. The rep acknowledged that they were reporting late transactions and will continue to do so. Im not sure if this company has some sort of relationship with the Credit reporting agencies to report transactions but I will be seeking legal actions against this company, for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent enablement of identity fraud.
Product: Money transfer, virtual currency, or money service

I deposited a check through Cash App on XX/XX/XXXX, and it is still pending as of XX/XX/XXXX. I have called every single day since Friday, and no one has been able to give me a clear answer as to why my funds have not been made available. 

On XX/XX/XXXX, a representative told me the check was approved and that my funds would be available today ( XX/XX/XXXX ). That was clearly false because my account still does not reflect the deposit, and the transaction remains pending. 

Today, I spoke with three different representatives, all of whom confirmed that my check was accepted/approved but refused to explain why I have not received my money. One representative claimed Cash App was " waiting on the bank to release the funds, '' which makes no sensethis is a {$50.00} check from a company, and banks do not hold corporate checks like this for extended periods. If my check was truly approved, Cash App ( via XXXX XXXX XXXX XXXX XXXX XXXX ) should already have the funds available to credit my account. 

Another representative attempted to change the subject by offering to file a complaint on my behalf instead of answering my direct question about where my money is. When I refused to be redirected and insisted on an explanation, I was placed on an indefinite hold. 

A third representative then told me the check was accepted but that my funds would not be available until XXXX XXXXwhich is not only an excessive delay but also suspicious, given that XX/XX/XXXX falls on a Saturday, which is not a business day. Additionally, I was told that Cash App can not cancel the transaction, preventing me from depositing the check elsewhere. 

At this point, Cash App has failed to provide my funds, given misleading or false information, and refused to allow me to cancel the deposit so I can access my money another way. I need an immediate resolution to this issue.
Product: Mortgage

I was denied home modification several times over 2 years has the fees built up. had to file Bankruptcy
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

I have XXXX XXXX on Coinbase, and their vault walelts stopped working before the XXXX Cash fork. I am now unable to collect a potential $ XXXX because of their bug not sending and email! I may never see .y coins again because their support is non existent!
Product: Debt collection

Financial Recovery Services , Inc. is trying to collect an old debt. They are trying to use intimidating tactics such as threatening to use a law firm to come after me for the debt. This letter was dated XX/XX/XXXX. They claim that I owe a charged-off debt from XXXX XXXX  in the amount of {$4500.00}. The amount was charged off on XX/XX/XXXX. This debt collector continues to hit my credit monthly and it is ruining my credit score. I have sent them a letter to ask for documentation from the original creditor of the debt I owe but haven't received anything yet.
Product: Checking or savings account

I was the victim of fraudulent transactions to my Chime checking account ( I believe via debit card ). I received texts alerts while at my job with my debit card in my possession asking if I authorized the following charges : {$1000.00} at 'XXXX  # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$1000.00} at 'XXXX XXXX  # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$56.00} at 'XXXX XXXX XXXX XXXX ' on ( to which I did not respond ) After I responded " no '' on the first fraudulent charge, I was assured via the text message alert system with Chime Bank that " The transaction was blocked and no funds have been taken from your account. If you believe your card was stolen or compromised, please disable transactions in the Chime App and request a new card from the settings screen or call XXXX '' However, another charge was placed and I received the same alert to which I responded " no '' and received the same supposedly re-assuring message stating that the transaction was blocked and no funds were taken. I took the appropriate action and disabled transactions and ordered a new card. However all of the money was taken anyway via these transactions above, and in total below : In total, the following charges ( in North Carolina and California ) were unauthorized and made and posted to my checking account while I was at my place of employment in Louisiana ( including three of the transactions above : XX/XX/XXXX : {$1000.00} at XXXX in XXXX, North Carolina XX/XX/XXXX : {$2000.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} at XXXX in California XX/XX/XXXX : {$2.00} at XXXXXXXX XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$1300.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} XXXX XXXX XXXX in North Carolina XX/XX/XXXX : {$22.00} at XXXX XXXX XXXX in California I called multiple times and emailed them multiple times in which I was notified that an investigation was open and that a credit would be sent to my account, but I was notified by Chime even after appealing and reopening the case with them providing proof of my hours at work in Louisiana showing that I was at work during the time of these transactions and NOT in XXXX, North Carolina, XXXX, North Carolina, nor California at the time of any of these transactions. Ultimately my account was closed by Chime and I NEVER received any of my money back for these fraudulent charges totaling {$4300.00}.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated. 


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.

EXPERIAN 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! 


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

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wells Fargo Credit Bureau Dispute Resolution sent a letter dated XX/XX/XXXX for accounts ending in XXXX and XXXX, Dispute ID number is XXXX and XXXX stating Wells Fargo found the information is accurate after I disputed in XX/XX/XXXX. On XXXX XXXX, I re-disputed both accounts stating dispute reasons were expiraration of the Mississippi Statue of Limitations for 3 years and both accounts are reporting current monthly late payments and were in charge-off status. On XX/XX/XXXX, Wells Fargo sent a letter to my address of XXXX XXXX XXXX, XXXX, MS XXXX stating account ending in XXXX is closed due to the age of the debt and will no longer attempt to collect from me. The account XXXX date of last payment is XX/XX/XXXX. However, the account ending in XXXX, date of last payment is XX/XX/XXXX and has not been closed due to the age of the debt as well. Both accounts continue to show erroneously errors, and false information on my credit profile which is severly harming my family from seeking adequate housing during the Pandemic. However, both accounts ending in XXXX and XXXX that have been previously disputed by me continue to show inaccurate account status in derogatory status by all 3 credit bureaus, both accounts were re-aged by Wells Fargo, and current monthly late on a collection-off dated back from XXXX XXXX for both disputed account which violates the FDCPA and the FCRA. XXXX  had previously removed both accounts off my credit report but re-inserted back on my credit without previous notification to me. XXXX  and XXXX  is showing the account ending in XXXX with a balance with current late monthly charges illegally. 
Both accounts ending in XXXX and XXXX have been disputed with XXXX, XXXX, and XXXX  from XXXX to XXXX over a period of 9 times in which all have been through certified mail.Wells Fargo continue to willingfully and knowingly put false, illegal re-age information on my credit profile after their alledgely investigations and should be held responsible.
Product: Credit reporting or other personal consumer reports

I review my credit reports and I saw a instances of late payment on an account for which I have always maintained timely payments. consumer reporting agencies play a crucial role in accurately reporting consumer information it is imperative that this information be reported with utmost accuracy I have never missed a payment on the following account XXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements demonstrating the lateness of these payments. if unable to furnish such as statements proof I demand that these payments be promptly updated to reflect their true status as on time as I have consistently upheld my payment obligations without delay
Product: Payday loan, title loan, or personal loan

My truck was stolen in XXXX, which had my purse, my checkbook and all money I had on hand. Went to the cash store and asked to do smaller payments instead of XXXX every two weeks, was told there was no way to do that. Asked if I could pay a XXXX a week until paid off was told no that I had to have the XXXX every two weeks. I have no way to pay for this when I am still having to pay all the other bills, on top of that had to buy plane tickets to get home from XXXX, plus extra nights in hotel to wait for police report, XXXX  XXXX  etc. didnt wan na leave XXXX without knowing for a fact I wouldnt get my truck back. I had to close my accounts to all banks and credit cards. I just needed them to work with me, since they wouldnt I couldnt put the loan like they wanted.
Product: Credit card

I had delt with unknown collection for an HSBC card in my name opened in XXXX. I am a military spouse we move a lot and I have never received any correspondence from this company. After sending certified letters to two collections departments claiming they owned the same HSBC account for debt validation in wich I have certified mail recipts and other documentation. The only company who responded was mcm with a letter stating based on my information sent they would remove there collection activity from all XXXX reporting agencies since they where the owner of the account because when contacted HSBC directly they had closed it with no knowledge of my SS or Name. I have since disputed this with expierian who took the account off derogatory accourding to my XXXX rights. Also I have disputed this with XXXX. Based on this I am asking XXXX to stop reporting this account as derogatory. Dept valitation was never given to me in the form of what was asked as my signature on the said credit card and any sort of proof of debt other than just saying it was put under my name and social is not acceptable as anyone can do that with that information. Until I am provided with a complete investigation and documents sent to me with last payment canceled check or proof of any liability this should not be reported as derogatory. I have been asking for this since XXXX and have had many XXXX violations commited and will with all my power give over all my recored documentation to the appropriate channels.