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

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to Experian in reference to my Statement, That i am a victim of identity theft. The requested authorization from me. I XXXX XXXX give authorization to Experian to proceed with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all three credit reporting agencies about incorrect information on my credit report and Equifax and XXXX refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment
Product: Credit reporting or other personal consumer reports

SOUTHWEST CREDIT SYSTEMS Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$250.00} Balance Updated XX/XX/XXXX this is affectting my score and has caused it to drop.
Product: Credit card

I noticed my American Express credit card statement due XX/XX/year>, had an interest charge. We pay our bill on time and in full, so there should be no interest charges. I called American Express and enquired what was happening. They informed me that the payment due date is the XXXX of each month but the billing cycle closes the XXXX so the interest is for those 6 days. The customer service person told me this is perfectly legal. They told me they could waive the amount this month, but theyve been doing this at least the past 3 months ( {$81.00}, {$86.00}, and {$54.00} ), effectively stealing {$220.00} from my family. I would like this looked into to confirm it is a legal practice. Obviously, we will be closing the account which we have held for 17 years. I look forward to hearing about your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXXXXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have c

onduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my disp
ute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have repeatedly attempted to use the AMEX gift card at a variety of stores ( XXXX, XXXX, XXXX, etc ). It is being denied everywhere. 

I have attempted to use the card in many way, s and have called support. They have simply said it is not being accepted at those retailers.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with TransUnion about accounts that did not belong to me. After they completed the investigation they found accounts were found to belong to me. The investigation process is concerning because I reached out to the original creditor and requested for them me them to send me bank statements. The address on the bank statement is not my address. If you look at my drivers license, you can see the address is different from what's on the bank statements. Please remove these accounts as they do not belong to me.
Product: Credit reporting or other personal consumer reports

My information was leaked in the Equifax data breach I
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked the credit bureaus to do a verification of everything on my credit report. They did, stating that everything is accurate. I did a thorough research myself and found improper inaccuracies. In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX XXXX XXXX accounts listed below, has violated my rights : XXXX-ACCOUNT # XXXX XXXX # XXXXXXXX XXXX-ACCOUNT # XXXX XXXX XXXX-ACCOUNT # XXXXXXXX XXXXACCOUNT # XXXX 15 U.S.C 1681 Section 602 A, states I have a 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 written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report,
XXXX XXXX  ran a credit check on my credit report still havent taken it off my credit report
Product: Credit card or prepaid card

I have a XXXX XXXX {$50.00} Prepaid Visa card that was issued to me last year. The card has a XX/XX/2018 expiration date which seems in violation of Federal and Massachusetts law governing non-expiration of prepaid cards. I dialed the customer service number on the card - XXXX and got an automated system that informed the card was expired with a {$0.00} balance but left no information for further action/appeal.
Product: Credit reporting or other personal consumer reports

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Quicken Loans advised me to remove a disputed account out of dispute and into active collections as it was my only option. Within in that time frame 2 days prior to closing Quicken pulled another Hard Inquiry on my credit report without my authorization and it caused my score to drop XXXX points below their acceptable score. This caused our down payment to increase by 1.5 % roughly {$3000.00}. They refuse to honor our original terms and down payment, they also refuse to provide my credit report as I am showing a different score than what they are reporting. We may possibly lose our home or it will cause our locked rate to be extended causing our interest rate to go up costing us a lot more money.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one 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 i've attached a copy of my report to this complaint on the following date XX/XX/2024. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased a phone from the XXXX XXXX site using XXXX ( {$870.00} ). Within an hour I found a better deal for a phone on XXXX 's site and purchased that phone too. I tried to immediately cancel the phone from XXXX, but they claimed it had already shipped. I asked for a return label from XXXX but didn't receive XXXX until 4 days later. I returned the phone within XXXX hrs after it arrived. XXXX told me I would get a refund within XXXX after they received the phone back. They took much longer. I got an email from a XXXX rep saying they tried to refund to my bank but it was rejected. I contacted my bank and sent a contact info from my bank to XXXX, who never bothered to contact my bank. Getting frustrated with all this, I opened a dispute with XXXX against XXXX. I also discovered that XXXX double charged me ( {$200.00} ) for my yearly service and tried to get a refund for that from XXXX and then XXXX. XXXX decided against me in the dispute, apparently because I filled something out incorrectly on their site. I went back to my bank who is now trying to get the money pulled from my account there back for me ( {$810.00} ) but XXXX is refusing to refund the {$60.00} dollars pulled from that account. And of course, XXXX has been fighting returning any of my money ( I have a case at the XXXX  against XXXX )
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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$66.00} ; XXXX XXXX  Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple Card or Goldman Sachs continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because Apple Card or Goldman Sachs failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and Goldman Sachs or Apple Card didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted Apple Card or Goldman Sachs and they told me theres nothing they can do to fix the issue. I spoke with XXXX at Goldman Sachs or Apple Card on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these 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 items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX  XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

This company added XXXX accounts my credit report with no notice in XX/XX/2017. This is XXXX of XXXX Accounts. This account is also reporting twice.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several inaccurate accounts on my credit report, which I believe resulted from identity theft and errors in your credit reporting process. These issues align with the violations detailed in the CFPBs lawsuit against Experian, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. The following accounts are inaccurate or fraudulent and must be removed from my credit report : XXXX XXXX XXXX. ACCOUNT XXXX XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, Opened XX/XX/XXXX. These accounts violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) ( FCRA ) 605B 15 USC 1681C-2 due to : XXXX. Failure to Conduct Proper Investigations : Experian failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. XXXX. Reinsertion of Inaccurate Information : Some of these accounts were previously removed but reappeared without proper notification or validation, violating FCRA procedures. XXXX. Failure to Notify and Provide Results : Dispute resolution notifications have been vague, inconsistent, and inadequate. I demand the immediate removal of these accounts and request : XXXX. A full investigation report for each disputed account, including verification methods and furnisher contact information. XXXX. Written confirmation of permanent removal of these accounts. XXXX. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Today I am writing regards to my account with SYNCB/Amazon account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX XXXX and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.
Product: Checking or savings account

Received a text from XXXX XXXX XXXX XXXX stating Chase Bank : Based upon recent suspicious activity, we have identified that your account may potentially be at risk. Visit https XX/XX/XXXXto verify your account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with TOTAL XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with Total. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX
Product: Credit card

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.
Product: Debt collection

Never received a letter or called from this collection company. this collection company is breaking federal trade and fair credit reporting.I asked for consumer protection agency to look into this company practices with reporting accounts on credit reports without proof. this is a fraudulent account place on my credit report causing sever damage to my credit ration causing a decrease in my credit card from XXXX XXXX. I was called and notify that a collections was on my credit report and we have lower your credit balance from XXXX to XXXX dollars. Know collection company should be able to just add a debt on anyone credit report when its fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only credit reporting agency who continually lowers my XXXX score when a credit card is paid off. Recently I paid off my credit card and Experian lowered my credit score by 17 points while there was no change with XXXX or XXXX.
Product: Debt collection

the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so new when it comes to credit i tried to pull my credit report and it would not allow me to so after providing all information i noticed someone was using my full identity to acquire credit cards and apartments and a auto loan Credit card Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan Accounts : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO A BANKRUPTCY CHAPER XXXX I havent had enough CREDIT TO FILE bankruptcy
Product: Debt collection

debt collection agency { JUDGEMENT ACQUISTIONS UNLIMITED } called my mother threatened her so she would give up my phone number to them. i called them and XXXX XXXX of there fine agents proceeded to call me an XXXX and threatened me repeatedly with jailtime and legal action.