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

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Money transfer, virtual currency, or money service

Account was initially locked then suspended. It has been over a month but my USD funds are locked in the Coinbase system without a method for withdraw. Multiple emails and phone calls have been made, but there has been no action for resolution or even talks of how the issue will be resolved. 
- All phone calls have ended with " a specialist with reach out to you '' all emails have been canned answers " Unfortunately are unable to elaborate on our internal decision process. '' - There has been no response made via XXXX - No response from mods via XXXX - All agents ignore the issue at hand that the company is locking my personal funds on their system without any means of withdraw.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached documentation showing that the credit reporting agencies are violating my consumer rights, by reporting INACCURATE late payments on my report. Please see attached ; accounts are reporting XXXX late in a 30 day time frame. Which is XXXX percent inaccurate.
Product: Mortgage

Chase Bank foreclosed on my home located XXXX XXXX, XXXX XXXX, Il XXXX loan # XXXX. The XXXX demolished my home before any foreclosure proceedings and I have been informed that Chase authorized XXXX to demolish my home which violated my rights as a homeowner. Additionally, Chase has failed to properly update XXXX Neighborhood Watch System with the foreclosure dates. Since they have refused to properly update XXXX System, they are preventing me from purchasing a new XXXX financed home because XXXX system states that the Chase loan is still active or open.
Product: Credit reporting or other personal consumer reports

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. XXXX is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since Transunion, XXXX and XXXX credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting mXXXX XXXX XXXX. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of 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. I would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX Transunion, XXXX XXXX. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On  X/X/17    I called to inquire about paying off of debt of {$1100.00} wit h Diversified Consultants.  I let the representative know that the account went into collection because I had opened the account for my ex-boyfriend who failed to pay the bill. I asked the representative if I could pay the amount in full, would the collection be removed from my report. He took notes and let me know that the collection would be removed from my report " immediately '' after I paid. I let him know that I would be calling them back to make a payment after making arrangements with my husband.  <P/> On  X/X/17    I called to make the payment and inquire about settling. We made a settlement agreement for {$720.00} with the representative and her supervisor. I then asked if paid, would the collection be removed from my report. She let me know that it would be updated as " settled in full '' so I then asked if I paid for it in its totality, would it be removed. She let me know that it would be reported as " paid in full '', but not removed. I let her know that the previous representative told me it would be removed if paid. So she let me speak to her supervisor who explained the same thing. I then let them know that I will call them back after making a decision to pay in full or settle in full after speaking to our mortgage loan credit specialist.  <P/> On  X/X/17    I called to make sure the settlement still stood since I had n't made the decision to pay in full or settle in full. The representative let me know that he would take note of it and the {$720.00} still stood.  <P/> On  X/X/17    the representative gave me the dates and names of representatives that I had previously spoken with. I called to let the company know that I was going to make a complaint since I was told previously that the collection would be removed after paying, and now they were going back on their word.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 



XXXX XXXXXX/XX/XXXX
Product: Debt collection

EOS CCA a Debt Collection Agency put a debt collection report on my credit reporting in XX/XX/2021 with a mailing address of XXXX Ct, XXXX VA, a XXXX debt of {$260.00}, which I was never contacted via mail or phone call regarding this alleged debt from XXXX or EOS. I never lived at XXXX or had a XXXX account ever. I don't even know anyone that lived at that address. They have on my credit report the XXXX bill is from XX/XX/2021, I have lived at my current address for over 6 years. I have never once received any letter or calls from this debt collector claiming I owe this alleged XXXX debt prior to them putting it on my XXXX credit report. I discovered it on my credit report in XXXX and called them to provide all information regarding this debt, after 30 days, I then disputed with XXXX credit agency and it was removed from my credit report because EOS CCA never replied to them within 30 days the law allows. XX/XX/2021, they put it back on my XXXX credit report this time with a mailing address of XXXX XXXX XXXX VA that I haven't lived at in over 15 years, again no call or mail from them. I reached out to them again via phone call and they refused to give me any information just stating I owe this debt. I am once again disputing it with XXXX, however, if they are doing unethical and illegal debt collection practices, this is not going to go away, even if XXXX removes it again, my fair is it will continue to be placed back on my credit report.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for Capital One XXXX XXXX and was approved for a credit limit line of {$500.00}. On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I was denied an extension of credit by Capital One Bank. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Capital One has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Credit reporting or other personal consumer reports

They are report late payment when I have provided proof that I was never late wit my child support it shows I only have 63 percent payment made on time when it should be 100 percent payment made on time the account is TENNESSEE DEPT. OF H
Product: Debt collection

They keep calling for my father and I am an adult. I dont know how they get my number but i told them I am not giving him the message. Lady that called and supervisor was very rude. I have hung up on them. They will not tell me where they are calling from. I called back three times screaming at them not to call again. First time lady hung up on me, second and third time the supervisor had the nerve to be rude and ask why i keep calling back. I asked, do you like it? I told them i would file s police report
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically cash app has failed to take timely and effective measures to prevent and address frauds on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. Theres actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Im aware of Omni Financial violated the Military Lending Act, Electronic Fund Transfer Act & I was seeing was there anyway to get reimburse with a check from CFPB. 

XX/XX/XXXX, {$560.00} XX/XX/XXXX, {$560.00} XX/XX/XXXX, {$2500.00}
Product: Debt collection

you guys sent me a letter saying i owe a debt to XXXX. i definitely do not so
Product: Money transfer, virtual currency, or money service

Approximately two weeks ago I mailed a personal check for {$700.00} to my daughter who lives in XXXX, Texas, for her birthday. I live in XXXX XXXX, Texas. Later, my daughter informed me that my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ), did not have any branches in XXXX and that she was forced to cash the check at an Ace Cash Express. A couple of days later, while checking my online banking portal, I found that the check had been paid twice out of my account. I notified my bank and they reversed one of the charges. However on XX/XX/2021, at approximately XXXX XXXX, I received a call from a representative of Ace Cash Express ( ( XXXX XXXX XXXX ) demanding that I pay them {$700.00} because they had paid the check twice. When I informed the representative that I had no control over how they have managed their affairs, the person insisted that I was responsible and demanded that I pay Ace Cash Express {$700.00} and began threatening me with repercussions relative to my credit standing. I spoke with an XXXX representative who suggested that I am not responsible or liable because I never used any Ace Cash Express services. Now, XXXX XXXX XXXX XXXX XXXX ), as a representative of the Ace Cash Express debt collection department, has mailed me a demand for payment of {$730.00} when I do not owe them any money.
Product: Credit card or prepaid card

I SPOKE WITH SOME AT DISCOVER THEY TOLD ME TO WRITE A LETTER AND SEND THEM A COPY OF MY LICENSE.I TOLD THEM THAT I HAVE DISPUTE IT WASNT MIND THEY SUIT ME AND HAD IT TOOK FROM MY PAY CHECK ITS A XXXX BALANCE BUT I NEVER OPENING A ACCOUNT WITH THEM.I ASK FOR PROVE OFF THE ACCOUNT WHO AND HOW IT WAS OPEN WITHOUT MY PERMISSION AND I HAVE A FRAUD ALERT ON MY CREDIT SINCE XX/XX/2017 AND THE ACCOUNT WAS OPEN IN XX/XX/2017 and had two phone number on the account that wasn't my number this is affecting my credit really bad.
Product: Credit card or prepaid card

I called the company and informed them of a cease and desist and they proceeded to remove fund from my account without my permission or knowledge.
Product: Credit card

There was a charge for {$68.00} from a restaurant in XXXX on my credit card that I did not order, make or authorize. AMEX has refused to credit the amount to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are showing my old child support account that first went delinquent back in XX/XX/2010. I have called them and told them this is an old account but they keep telling me that the account is only showing as delinquent for the prior month. I dont know if they keep removing the previous years and re-adding it or what. The debt is over 7 years old and should be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 

XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9600.00}.
Product: Credit card

This complaint is in reference to the Synchrony Home credit card product. I have a deferred interest promotional plan expiring on XX/XX/year>, it is my understanding that Federal Law dictates that any payments made within 60 days of an expiring promotional plan need to be fully applied to the expiring deferred interest plan. In my case this has not happened. I attempted to rectify this issue with the business through online chat on XX/XX/year>, the long chat session was useless. I attempted to explain that the payment made on XX/XX/year> for {$220.00} was not fully applied to the above mentioned deferred interest plan. The only reassurance provided was that it would be fixed on the back end within 1-2 billing cycles. Obviously, this would work against me as I would end up being charged deferred interest. I asked to be escalated to an Account Manager, was transferred to XXXX XXXX, she did not know how to instantly fix the payment allocation. She casually advised that the fix would happen within 1-2 billing cycles. 

I need reassurance that any future payments made between now and XX/XX/year> will be fully applied to the expiring deferred interest plan as they should be. Also, that the most recent payment will be correctly allocated fully to the expiring deferred interest plan.
Product: Vehicle loan or lease

Truist account autoloan will not allow me to add XXXX as my banking institution to pay my loan from. It says it can not verify my account is mine and i've spoken to both account reps at truist and sofi and they blame each other with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( Equifax, XXXX & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in XX/XX/2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX/XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. So please UPDATE and CORRECT the status of my accounts : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My only complaint is that Ive had an issue with my savings/checking account on my XXXX  app. Im not able to transfer money from my savings envelope to my card so then I can get cash. It always says SORRY, there was an inconvenience. TRY AGAIN LATER. Ive called 7 times this last month of XX/XX/XXXXspoke to a few different representatives and no one knew what was wrong. If you guys could please transfer my money to the bank on the account that be awesome or get in contact with me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for not responding to my dispute letter sent via USPS Certified Mail, tracking # XXXX on XX/XX/year>. In this letter, I requested an investigation into inaccuracies on my credit report and corrections to incorrect personal information. According to USPS tracking, Experian received the letter on XX/XX/year>. 
Despite the critical nature of these inaccuracies and their impact on my creditworthiness, Experian has failed to respond or provide investigation results. This inaction is concerning and frustrating, affecting my ability to access credit and other financial services. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies investigate disputes and provide results within 30 days of receiving a dispute. Experians failure to do so violates federal law. I have attached a copy of my dispute letter to Experian and the USPS certified mail receipt as evidence.
Product: Credit reporting or other personal consumer reports

Five trade lines that have not reporting to consumer reporting agency. I filed a dispute to TransUnion on the XXXX of XXXX and they have not respond in the guard to this issue I'm providing the accounts that are currently reporting on my experience consumer reporting file and I would like these accounts investigators and to be reported all my TransUnion class when I spoke to TransUnion they told me that the data is not being reported from the data furnisher which this is incorrect because it is reported on my Experian consumer report these accounts are XXXX XXXX  XXXX XXXX  credit cards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card by XXXX
Product: Mortgage

How did they approve a loan for {$370.00} and the value is only XXXX. 

I XXXX XXXX purchased the home and closed XX/XX/XXXX in the amount of $ XXXX, refinanced a VA loan in XX/XX/XXXX with a new loan balance of $ XXXX the appraisal was $ XXXX. 
they took my from a fixed rate, put me into a 3 yrs ARM@ 2.25 % and charged me 2.25 % points ( {$920000.00} ) plus ( XXXX ) the VA funding fee was {$1800.00}.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : I am writing this letter because there is an incorrect account on my credit report, so I am sending this letter to the credit bureau. I am a victim of identity theft. 
These accounts are all fraudulent. 
Why are these bad records on my credit report and messing up my credit? 
These incorrect accounts contain information I have no knowledge of. 
Someone applied and used my personal information. I am suffering so much from these incorrect accounts. I did not sign my name, nor did I directly or indirectly authorize anyone else to sign my name. And my credit report also shows incorrect addresses where I don't live. 
Even I currently live in XXXX XXXX. I have never lived in Colorado, But I have so many Colorado addresses on my credit report. 
Please remove these incorrect and wrong accounts and personal information from my credit report. 


-- ACCOUNT 1. BK OF AMER with ACCT # XXXX opened on XX/XX/2020 with balance of {$17000.00} - I am the victim of identity theft, and I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XXXX XXXX, 2015 that I did not authorize. When I stopped by XXXX Texas store I was told very clearly that no credit report would be pulled and that my information was being used solely for billing purposes. Have unsuccessfully disputed this illegal inquiry with CRA 's and XXXX.