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

On XX/XX/2019 ; I filed a dispute with Experian in reference to two credit bureau marks filed by XXXX. XXXX XXXX, XXXX on my Experian credit report. Four days later on XX/XX/2019 Experian came back and stated the investigation was completed and the information was verified as accurate and that they would not remove the information. 

I did not agree with the investigation so I filed a second dispute on XX/XX/2019 ; stating that the information was not accurate because the alleged debt had not been adjudicated by the XXXX County Superior Court. On XX/XX/2019 ; Experian again stated their investigation was complete and the alleged debt was accurately reported. 

I again did not agree with the investigation results so I placed a call to Experian on XX/XX/2019 and spoke to a representative who didn't want to assist me properly and filed a third dispute after I stated that a third dispute would be pointless since Experian hasn't performed a full and proper investigation the last two times. Again Experian came back on XX/XX/2019 and stated again that the information was accurate. I uploaded a copy of my appellant memorandum to show that the debt was not adjudicated yet. 

On XX/XX/2019 ; I placed a call to Experian and spoke to a dispute representative and again reiterated Experian 's position that the information was correct. I pointed out that how could Experian state on one side that the information was correct and accurate because it was given to them by the collection agency and the court information I gave them showing them it wasn't adjudicated yet and not accurate as of this date. He stated that Experian was going to side with the collection agency. 

It appears that since XXXX. XXXX XXXX pays Experian a subscription fee, it's not in Experian 's interest to full fill their obligations under the FCRA and do a proper investigation and remove this collection agency information on a debt not illegally able to be collected on.
Product: Credit reporting

I want to dispute a {$95.00} medical bill that is open with Equfax. I sent a dispute to XXXX and let them know that I paid the bill before it was sent to collections. The results are below. After verification it shows that I did pay the bill. I want this removed from my Equfax report as well. 


Since your last update on XXXX XXXX, XXXX, 1 collections account has been removed from Account Type Removed Status Reported By XXXX XXXX XXXX Removed XXXX Removing a collections account from your credit report can have a positive effect on your credit score. 

This is a copy of what equifax has : Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$95.00} High Balance {$95.00} Remarks Medical.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFFPA ). Specifically, cashapp 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: Debt collection

I was told the Lexington law could fix my credit and could get the things thats on there removed. That was true and I was paying them and also I have to file an identity theft report every time I file my taxes.To this day Im still receiving emails from this company.
Product: Credit card

I have been receiving mail from CapitalOne addressed to me, and to another individual I do not know, and has never lived at my address. I am a credit card customer with CapitalOne. 
I originally contacted CapitalOne on XXXX/XXXX/15 regarding this issue. They took information from me, including numbers off the mailing. They also had me put the letter back in the mail as return to sender attn fraud dept. 
I was told they would investigate and get back to me. I have yet to hear from them. 
On XXXX/XXXX/15, I received another letter from CapitalOne - addressed to me and the same person I do not know again. I contacted CapitalOne again, and was bounced from department to department, and hung up on/disconnected twice. I also attempted to resolve the issue through there online chat, where I was told to call again. 
I attempted calling the fraud department directly, which answered very promptly, but was told they could not help me and transferred me to another dead call. 
I attempted to contact CapitalOne multiple additional times. Each time, a message stated they were experiencing long wait times. After several hours of trying to get a human on the line that could actually explain what was going on, I gave up for the day. 
I do n't know if this is fraud related, but somehow CapitalOne has my name and address associated with another individual. This does not seem like something that should be occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

The social security administration has lost a check I mailed XXXX-19. I called them and was told they are 3 months behind in processing checks. They fraudulently posted a derogatory status on my credit reports which caused my score to drop 21 points on 2 bureaus and 69 points on the other. They list the check and this is fraud caused by their failure not mine
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in XXXX but is still showing up in Transunion and XXXX. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of dthe informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX , and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : ACCOUNT NAME : XXXXXXXX XXXX  - ACCOUNT NUMBER : XXXX BALANCE REPORTED : {$14000.00} This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report. 
I request that you : Investigate this matter in compliance with the FCRA. 
Provide documentation verifying the accuracy of this account or delete it from my credit report. 
ALSO, I REQUEST TO FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER AND EMPLOYER LISTED ON MY REPORT. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.
Product: Prepaid card

Someone used my card without my permission so I turned it in as an authorized transaction. As soon as I turned it in they canceled my card and sent me a new one by the time my new card got here they had already closed my account out then I get a letter from them telling me they didn't investigation and that they have come that it was not my thought and that it was mistake and they replaced the money. Well now my unemployment goes in the bank account every week but on my end it is closed they will not let me close it they will not let me touch my money they just keep collecting it and being rude every time I call. Unemployment tells me they can't do anything because it's in my name and they tell me they can not do anything I've seen in pictures of my ID front and back a picture of myself numerous times. This has been going gone since XXXX now I have over {$1500.00} in the bank that I can not touch and they will not do anything to help me
Product: Vehicle loan or lease

Reported account as 30 days delinquent for XX/XX/2024. Payment was made and received to Santander on XX/XX/XXXX.
Product: Credit card or prepaid card

I am requesting help to retrieve my husbands payroll money American Express Bluebird is holding hostage. I opened a American Express Bluebird account in mid XXXX, 2019. I purchased the Bluebird card from XXXX. The prepaid card has more benefits to it if the account is set up and activated online. The account offers direct deposit, no fees ATM withdrawals, checking account checks, and no fees for cash reloads. I specifically set the account up for my husbands payroll as a direct deposit. I was able to use the America Express Bluebird mobile app to make his first deposit by check. I was able to upload his first payroll check and use immediately for use prior to his first direct deposit that would be deposited XX/XX/2019. The morning of XX/XX/2019, at XXXX, I received the first email from American Express Bluebird letting me know his XXXX DIR DEP funds of {$1300.00} are now available in my Bluebird account. Then, at XXXX I received a second email from American Express Bluebird advising me that activity on my account resulted in a member agreement violation? This violation is pursuant to a Section 22 ( D ) of the member agreement and my account has been permanently suspended? If I want to address the concern, I need to write a letter and forward the letter to a PO Box ? I of course called immediately the Account Services ( which is in the XXXX ) and out of the 18 calls I made, none of the agents were able to explain to what this Section 22 ( D ) member violation meant? In addition, I was finally transferred to the Fraud department and was told that Account Services was the only department that could release the account hold on the account. ( Long story short, I was never called, notified or given the opportunity to correct the mistake. I needed to add my husband has a FAMILY MEMBER ACCOUNT. ) The final agent in Account Services told me in order to release and GIVE ME BACK THE MONEY THAT RIGHTFULLY BELONGS TO ME or MY HUSBAND, a letter of indemnity needed to be faxed to them from the issuer of the direct deposit. On Monday, XX/XX/2019, My husband called his HR person from his company and explained the situation. His company sent a request American Express Bluebird requesting the funds to be returned. My husband also called XXXX   XXXX XXXX and spoke with the SVP, XXXX and explained the situation to her. She said the issuer of the DIR DEP could request the funds back and it should take 3 to 5 business days to retrieve the funds. As of today, XX/XX/2019, this funds have not been returned. 

Lastly, I have provided here, all the phone numbers and email address I have called and sent a request for the funds to be released and sent back. I have not received any phone calls or email responses to my inquires. Because my phone numbers are attached to the account, I get a automated recording from American Express Bluebird and the call disconnects. I no longer can reach an agent. 

Thank you for your time and help resolving this matter! 

Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was interacting with an individual on XXXX XXXX. They agreed to buy the piece of furniture I was selling. They asked to send the money to me through XXXX and I agreed, for {$400.00}. I received an email shortly after that the transaction was too large and I needed to upgrade my account to a business account. As a result, the email said that XXXX required the other party to send me {$700.00}. I would have to send them back {$300.00} so the {$700.00} could be disbursed to my account. I sent the {$300.00} through XXXX to XXXX XXXX, email XXXX. Then, after my payment was received, I got an email that the other party had accidentally sent the extra {$300.00} twice, so they had mistakenly sent me {$1000.00} for my {$400.00} piece of furniture, and I would have to send the extra amount to receive my money. I sent them {$200.00} more as my XXXX account would not allow me to send more than {$500.00} to a new contact. Once I did this, the other party started to harass me on XXXX message for the remaining {$100.00}, claiming I would get my money back when I did. From there, I refused to interact with them further or send more money and began to report this incident. I filed a policed report and reported the incident to Chase bank and to XXXX.
Product: Credit reporting or other personal consumer reports

I was contacted and starting around XXXX about being in a class action suit in regards of my information being compromised with Equifax. I receive numerous emails stating that I was a part of it I also checked a website where you're able to put in your identify information and it tells you if you are in fact included in this class action suit. I did that I went on a website into my information and I was identified as being affected I did everything I needed to do I reached out I filled out my information got my claim and around 2 years later I guess maybe XXXX I received a correspondence from the site administrator stating that I in fact was not included in this in which I had a deadline to submit proof or my claim will be denied. I received correspondence on the 12th I immediately forwarded my emails that I received also a screenshot of the site stating that once I put in my information that I was a victim and identified as being a part of the class action suit I sent all my evidence and the administrator wrote back 2 days later and still said no you're not a part of it I have on my correct information saying that yes I was I did everything I was supposed to do and I missed out on my payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00}.
Product: Credit card

My XXXX credit card account was cancelled without notice. I received no paper or electronic notice. Not only is this inconvenient, but I had reward points that I had not yet redeemed and which XXXX still owes me. The same thing happened to my wife 's account. She spent several hours on the phone yesterday and was told that they no longer have reward points records, although, conveniently, they do have records of outstanding balances. Today, I received an email from the new owner, Synchrony, encouraging me to sign up for a credit card that I thought I already had. I would like to receive a formal notice and explanation of cancellation from XXXX. I would also like confirmation that this will not adversely affect my credit score. Finally, I would like a record and receipt of any reward points.
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 : XX/XX/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 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

I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All three credit bureaus report a different age of these accounts.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and discovered XXXX and Transunion have failed to comply with FCRA guidelines Im asking that these accounts be removed immediately
Product: Debt collection

Amex called and leaving voicemails numerous times in months of XXXX and XXXX. I lost my job and could not be able to pay. Title 15 USC 1692 states that a debt collector can not engage in any conduct or which is to harass, oppress, or abuse any collection of debt. Also Title 15 USC 1692 ( f ) ( 1 ) Unfair Practices states a debt collector may not use unfair means to attempt or collect any debt. Please resolve this thank you.
Product: Credit reporting or other personal consumer reports

I recently filed a claim on the CFBP website and my claim got denied. I have a lot of reports on my credit report saying that I have accounts that are past due or closed which I know for a fact thats the opposite. I already requested them for proof but they never got back to me. As of today my score is affected and Im unable to use my credit for anything, I would like them to provide proof on all the past due balance and closed accounts that they have. If not please fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX year olds who work in these call centers. They are all so XXXX  and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX, XXXX  and XXXX. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.