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

XXXX   XXXX   XXXX  has reported on my credit report for  XXXX  that I had  3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the  bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the   XXXX   XXXX    XXXX  numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the   XXXX   XXXX     XXXX  has the wrong infor mation on my payment, balance last payments amount made  & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the   problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting  XXXX   XXXX   XXXX  Address   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blank  )  & Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accou nt s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. )  Please Mail this information ASAP
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS filed XX/XX/2019
Product: Debt collection

I called Penn Credit Corp on XXXX/XXXX/XXXX regarding an account noted on my XXXX Credit report for {$900.00}. The orginial Creditor Name is XXXX XXXX and it was opended on XXXX XXXX, XXXX. I spoke to the representative and she was not able to find any account with my ssn. The only account that was on file was a XXXX XXXX account for XXXX which was removed from their system on XXXX XXXX, XXXX. There was no further information she can find in their system
Product: Payday loan, title loan, personal loan, or advance loan

I have updated my personal information regarding my address with Klarna, and now I am being denied credit, because all of my credit information is missing. I have reached out to Klarna several times and the only response I get is this process is automatic and nothing can be done. I have a credit score, and I have used Klarna several times before the last time being in XXXX 2024. i spoke to the Klarna rep on the phone and she advised that I call XXXX XXXX I reached out to XXXX and they assured me I had a credit score with accounts listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dealership told me that I would have XXXX inquiry and they ran my credit multiple times after telling me they wouldn't.
Product: Debt collection

Debt was originally owned by Barclays Bank Delaware. It was opened on XXXX XXXX and closed on XXXX XXXX XXXX. A new debt collector picked it up and said the original debt was opened XX/XX/XXXX. Now I have no way of getting rid of the original debt after 7 years because this new collector won't acknowledge my attempts to dispute.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

I am writing to complaint to UPSTART NETWORK INC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Money transfer, virtual currency, or money service

I sent ltc to my wallet today. On top of that, I received a notification that my transaction was suspended for 72 hours. But I need the money very soon. 

It was coinbase.com Referenz-Code : XXXX XXXX. XXXX 2018 XXXX LTC
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I have a collection account on my credit report from XXXX that is not my debt. I contacted the local police department, made a report on XXXX, and I am providing copies of my bank statements of the address I was living at the time. I do not have a copy of a lease agreement, insurance, etc from 2019.
Product: Credit card or prepaid card

The issue first began in late XXXX. I made a payment like I normally do and noticed that it said I was still a few cents overdue. Thinking I had made a mistake, I went and made a payment for the few cents that was considered overdue. It still told me I was a few cents overdue, no matter how many times I tried to make that payment. 

Upon speaking with the first individual at Upgrade, I was told that the issue would be resolved within a few business days. My account was considered delinquent because of this issue, and was on the border of being reported to the credit bureaus. They assured me that they would send a form in to fix that. 

My account never reflected these changes, and soon my next payment was due. Upon making this payment, I ran in to the same issue. It said that my account was XXXX cents overdue. After several calls and several long conversations where I was assured that this issue was fixed, I am still XXXX cents overdue, considered 29 days delinquent, and nothing has been done to rectify it. 

After hours of being on multiple phone calls with different representatives over the course of a few weeks, I managed to get escalated to a team lead who informed me that she could not escalate me to anyone, that no one was able to fix my issue for me while I was still on the phone with them, and that ultimately we just had to wait on the processing team to fix the issue. The same processing team that still hasnt fixed the issue in the last month and a half. 

I have not been able to use my card because it says that Im overdue ( even though Im very obviously not ). My account will be considered late as of tomorrow and be sent to the credit bureaus, even though I AM NOT. I am very tired of calling them and being lied to. I dont take making a complaint like this lightly. This is absolutely crooked and Im fed up with it.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-30 DAYS LATE XX/XX/XXXX -30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I closed my account in XXXX 2017 due to identity theft and home burglary. Now the credit card company Citi bank tries to collect {$1500.00} that was previously resolved due to fraud. I do n't owe this amount. Plus, when I closed the account, my balance was {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I spoke with a man on XX/XX/2018 and asked him about this account, I told him I had no idea the account was in collections. He told me, they had the incorrect address and telephone number listed for me. I told him the telephone number has been the same for the last two years and I did not receive one phone call from the school or collection agency at all. I was told the account had been in their office since XX/XX/2018, and the only reason I knew about the account is because I went online to continue my classes and was directed to call the collection agency. I was shocked I had no notice prior to account being in collections nor after. I asked the representative if this account had been reported ( he told me No ) and did not tell me it will be reported in the future. I explained I needed to call back to speak wit my parents to try and borrow some money so this payment would not be a strain on me later. I called today once I make the payment on the account and told the representative ( lady ) that I was upset because the gentlemen did not disclose this account was due to be reported. I asked for the manger to pull the call and call back because I know calls should be recorded as well. I made the payment and told the representative a complaint will be filed because this is unfair practices. This should not be on my credit report, I did not have a chance to dispute it or make an arrangement prior to reporting this as well. I know collection agency did not make a fair attempt to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2017 there was a fraudulent activity on my account through XXXX XXXX in New York. I live in Idaho. There was a hard inquiry at a XXXX store. I called XXXX and had it noted as fraud and they sent me a letter and i copied that letter and sent it to Equifax. I followed up by phone and was told it was handled. In XXXX it was still on my account so I called Equifax who said XXXX didn't send the change. I got them BOTH ob the phone ( Equifax wont talk to them to resolve the issue directly btw ) XXXX resent the info as per Equifax request. As of XXXX it still wasnt fixed. I got them both on the phone again. Equifax says they have now received the info but it will take XXXX days to reflect on the report. It is still over 30 days and no change. I am not going to wait 90 days just to find out its screwed up again and start over. I have been waiting on purchases to not have a higher interest rate for over 6 months. Equifax has lied and pass the buck on an error that it there fault 3 times now. This is a keyboard stroke on their end to restore my great credit. XXXX literally has no more steps they can take or additional info they can provide as I have never been a XXXX customer. Equifax needs to be reviewed as a company as It is only possible to speak to call centers and not decision makers or people who can update changes. Please help with this ASAP. I have had no help from Equifax. I feel like I am being help prisoner as a problem that was verified not me I am STILL being penalized for.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In XX/XX/2016 XXXX I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.
Product: Credit reporting or other personal consumer reports

Family Educational Rights and Privacy Act ( FERA ) is a federal law enacted in XXXX that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school remove all student education records. XXXX XXXX XXXX ( b ) Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I have requested to remove the educational records from the consumer report.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be removed.also the nest as well.Thamks XXXX  XXXX and XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am trying to close a Bank of America business checking account ending in XXXX in the name of XXXX XXXX XXXX XXXX. I am the president of this company and have returned a signature card in the spring of this year reflecting such. 

I visited a branch of Bank of America on XX/XX/XXXX only to be told my request could be handled on the phone. I called the call center via the Bank of America app, on which I had authenticated ( and was allowed to transfer funds in and out, pay bills via billpay, and do other normal banking tasks ), and was denied the ability to close the account because the rep said " needed documentation hadn't been uploaded '' and that I would have to visit a branch with my ID to close this account. When I mentioned I had already visited a branch and the branch personnel had directed me to call, the representative, while polite, indicated there was nothing she could do. 

This account charges a XXXX XXXX  monthly fee and I was trying to close the account before the next fee would be charged so as to avoid it. I pointed out this to the rep, who said she would " notate '' my account so that when the next fee posted, it could be reviewed, but that she was unable to guarantee it would be refunded. 

I have a feeling this was a ploy to keep the account open so that more fees could be charged. A customer calling in, authenticated, via the bank 's own app should be able to close an account to stop further charges. At it stands I have visited a branch and called and still can not get Bank of America to close this account. How am I supposed to stop being a customer? 

RESOLUTION REQUESTED : Close the checking account ending in XXXX and refund any fees that post on or after XX/XX/XXXX, as I was prevented twice from closing the account before any fees would be incurred.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern : Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX I am a victim of an Equifax Breach ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the Equifax Breach ( see attachment ). All 3 credit bureaus Equifax, XXXX and XXXX needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXX XXXX and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have sent in my Identity Theft Report to XXXX, Equifax, and XXXX  to inform them of items that need to be removed and deleted from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I had a minimum payment due of XXXX. I made the payment on XX/XX/XXXX. In reviewing my account online today I noticed I got charged XXXX on XX/XX/XXXX for a late payment. I don't dispute my payment was late by two days only the fact the payment was withdrawn on the exact date the payment was due. I took a screen shot of my account for proof of the charge on the incorrect day. My statement should have shown the late fee being processed after the due date. I also had a interest charge on a purchase in the amount of XXXX on XX/XX/XXXX that I'm not sure what that is from.In addition, to prevent a future charge because my record shows ontime responsible use and timely payments. I used the option to change my billing date. In reviewing that, It states it can take up two months for this to activate due to one full billing cycle needed for the change. My charge card is for repairing credit, it is a backed card, I also have a XXXX card that is responsibly used. My credit is currently in the average range and my XXXX  card will convert to a regular card after a few more months. I hope to keep doing business with Capital One and with the success of FICO information online for credit building, as well as the Texas Corporation Money Management counseling I received .In addition I did lots of research. But, I'm still learning too. I hope these things brought to your attention will help all of us. Sincerely, XXXX XXXX
Product: Debt collection

I discovered a {$3800.00} past due notice from XXXX against me with a collection agency. Having always maintained an 800+ credit score, this was noticed immediately. 

I called the agency who took my information and sympathized then immediately sent me an invoice for the debt. I then filed a police report and sent it along with a letter of explanation to the collection agency, XXXX, XXXX XXXX, XXXX, XXXX. Not once, but twice. Today I received letters from XXXX and XXXX   who stated they received confirmation that this debt was mine. What?! 

On each of the credit bureau forms, it lists prior addresses. I pointed out that all on my list are correct except for the address in Michigan ( where I have never been nor lived ). I told them that is where the 4 brand new iphones must have been delivered and to please follow up. I also asked XXXX to confirm where they were shipped. NO ONE would even look at it. All of them say it is my debt.

Now, if you look at my pathetic 3 year old XXXX XXXX, you will realize I did NOT purchase any XXXX.