23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I want to address the erroneous listing of accounts marked as late payment and collection on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer as reflected on the account history, these accounts are being inaccurately reported as delinquent. This is unacceptable and demands immediate correction.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Numerous items such as bankruptcy and late payments more than seven years old are still appearing. All student loans are in a deferment status pending complete discharge, and I never lived at the  XXXX  address. Lastly, my identity has been stolen with reports filed with the local police department, the FTC,  Social Security Administration  and authorities in  XXXX , California. Please clear up these issues immediately and notify me upon its conclusion. A copy of this document is being forwarded to the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Second Round Dispute Regarding Inaccurate Information - Credit Report Number : XXXX Dear CFPB IAm asking for your assistance and TransUnion Dispute Resolution Team, I am writing to formally dispute the continued inaccuracies on my credit report ( Report Number : XXXX ) and to bring to your attention that these issues remain unresolved despite my prior attempts to correct them. This is now the second round of dispute correspondence, and I am requesting immediate action to resolve these inaccuracies. 
The following issues remain unresolved : XXXX XXXXXXXX XXXX XXXXXXXX Late Payments Reported Incorrectly : XXXX XXXXXXXX XXXX XXXXXXXX has reported late payments that are, in fact, inaccurate and unlawful. Under 15 U.S.C. 1666 ( b ), it is illegal for any creditor to report late payments if they are incorrect or if the payment history was made timely. I have consistently paid my bills on time and take my credit obligations seriously. I request an immediate review and correction of these inaccurately reported late payments. 
Unauthorized Inquiry XXXX XXXX : I noticed an inquiry from XXXX XXXX  on my report. I did not provide written consent for this inquiry, as required by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681b, I am entitled to not have my credit report accessed without proper authorization. Please investigate this inquiry and remove it from my credit report if it was made without my consent. 
Incorrect Contact Information and Address : My credit report contains the following incorrect phone numbers and address : Phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never used or been associated with these phone numbers or addresses. These discrepancies must be corrected immediately. 


Given that I have already filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding these issues and have provided all required documentation, I am seeking monetary relief in accordance with the provisions of the Fair Credit Reporting Act. I request that TransUnion provide me with the following : A full investigation into these disputes and a resolution that removes any incorrect information from my credit report. 
An update on the status of my dispute within the required 30-day period as outlined under the FCRA.

A formal explanation and documentation of how these inaccuracies were initially reported.

If these matters are not resolved promptly and to my satisfaction, I will be forced to consider further legal actions to protect my rights under the Fair Credit Reporting Act, including seeking damages for any harm caused by these inaccuracies. 
I expect a response and correction of these issues within the statutory time frame of 30 days. Please provide me with written confirmation of the actions taken to resolve these disputes. I am sure that the cfpb will assist me on making sure my rights are not being violated Sincerely, XXXX XXXX XXXX Ssn - XXXX
Product: Credit card or prepaid card

They recieved proof of payment and are now asking for this again they also want proof of the payments made in house. They have not updated the statement and given the corrected statement showing the corrected balance removal of all interest as well as any late fees or false statements about money still owed On balance that was paid for which proof was previously submitted. I will be resubmitting the following documents
Product: Debt collection

My name is XXXX XXXX. On XXXX XXXX 2011, I received a letter regarding a debt. At that time gave XXXX options to get a settlement. I called and arrangements to settle this account with option # XXXX ( was to pay a lump-sum payment of {$850.00} ). That was a savings of 50 % on my outstanding balance. I received notice from my bank ( XXXX ) that the transaction was processed on XXXX XXXX, 20 11 and the full amount was paid to J.C.Christensen & Associates , Inc. With transaction # XXXX. 
When I called again to confirm the payment was received, the representative mentioned that no further action was needed from my side and the debt was canceled. 
I 'm asking for your help to resolve this issue. 
I look forward to a resolution of this mistake miscommunication between J.C.Christensen & Associated , Inc. And the other collector XXXX XXXX XXXX XXXX XXXX Also, I would like comelet all necessary steps to clean my credit records. 
Manny thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not allow me to file a dispute for myself to change my address or dispute an incorrect report on my credit profile. I've called several times and they bounced me back and forth in between departments.
Product: Payday loan, title loan, or personal loan

LoanMe, loan in the amount of {$2400.00}. 
I have paid LoanMe and I am free of debt with them as of XXXX. They, however, claim I have not. I have my paperwork that states I have, which has been enclosed for your review. Aside from this ridiculous attempt to continue to collect a paid debt, they claim I owe them interest. 
I have been contacted by XXXX XXXX XXXX trying to collect on a paid debt. Because of a family tragedy I was in a bad place financially and had to obtain a loan from this unethical company. My biggest regret. 
I have worked in Collections for over 20 years, their procedure or methods of collection can be considered unprofessional to say the least. 
They claim I have an unpaid balance because they claim I didn't finish paying my debt in XXXX. Their collection/accounting department didn't realize this information until the end of XXXX I will not be penalized for their bad record keeping. My employer received a judgement in XXXX, she forwarded it to the payroll company and {$2400.00} was garnished, plus an additional {$440.00} just last year when they tried to garnish me again at my new employment. Based on the payment history I received from LoanMe on XX/XX/XXXX, I have an outstanding balance of {$570.00} In XXXX they received {$440.00}, so technically my balance should be {$130.00} The credit report I received shows I have a balance of {$170.00} or {$410.00} not sure why. LoanMe are crooks with bad record keeping, how they came up with me owing {$2100.00} again is beyond me. I need this resolved, their constant harassment has caused me anxiety.
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 proce 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 card or prepaid card

I transferred funds to my Amex Serve card while traveling to XXXX XXXX, VA on or about XX/XX/XXXX. About XX/XX/XXXX, I stopped in XXXX on XXXX XXXX and made a small purchase of {$4.00} with my Serve card. I did not use my card again and do not remember seeing it again after that. The following Monday, I received messages from Amex stating  that I had possible fraudulent charges on my account. I checked my account and noticed that there were several charges made between XXXX and XXXX at multiple merchant locations in XXXX, Florida. I contacted Amex immediately to report that I could not find my card and I did not make any of those charges on my account ( on / ) and they told me that they blocked the card and would open the dispute. I got disconnected several times, so I had to call back many times to make sure the card was blocked and I was being sent a new one. On XXXX, I had not yet received my new card and had not received any communication regarding the fraudulent charges, so I called back only to find out that they had not even started the dispute and my new card had not yet been mailed. I opened the dispute, received the email request to complete the Declaration of Fraud, and sent it back immediately. I called multiple times up to and including XX/XX/XXXX to get the status of the dispute because I had not been issued a provisional credit as promised. The representatives are not knowledgeable and some are even rude when I call to get answers. When I ask to speak to a manager, they argue with me and tell me the manager will tell me the same thing or promise a call back within 4 hours, which never comes. I received an email last night telling me that I missed a charge on the form and needed to resend it. Before I could even send it again, they had CLOSED the dispute and I received an email stating that there was no error and my transactions were valid. I called again and spoke with two additional representatives who then told me that they could not reopen the dispute and I had to start all over again and there is NO way to expedite it even though they informed me of the fraud on XXXX. In the meantime, I am without my money. I do not feel safe using that card and will cancel my direct deposit although I found the card to be a great option to separate expenses. I am so disappointed that the customer service reps are hundreds of thousands of miles away and treat customers the way they do, with no options to really help customers or escalate pressing issues. I am disappointed in the Amex brand and I feel that my money has been stolen from me. I have been searching for a way to reach the corporate office to report these issues, but it is very difficult to even get anyone to listen. In the meantime, I have been robbed of the very protection my card promises to me and a thief has gone free with my hard-earned money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm reaching out because Equifax is helping XXXX XXXX XXXXXXXX XXXX XXXX  put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXX XXXX XXXX  Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. 
Thank you,
Product: Mortgage

I have tried several times to obtain my tax information for my residence so I can complete my taxes from XXXX. I've called several times and the issue is not resolved. This information is legally required to be sent no later than XX/XX/XXXX. 

This is for Loan number XXXX from Loancare.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This is in relation to my XXXX Credit Card issued by Banco Popular de Puerto Rico, account ending XXXX. My annual membership fee was renewed and posted for {$140.00} on XX/XX/2018. My statement closed on the same date. I called Banco Popular and closed this account on XX/XX/XXXX and requested the fee to be reversed. I paid off the balance ( but not the XXXX $ since this was going to be reversed. The reversal shows as posted on XX/XX/XXXX however, after the account was closed and i paid off the balance, the Bank charged {$1.00} ( on XX/XX/XXXX ) interest on the annual fee that was reversed. This fee should have been also reversed as part of the account closure however the associate may have forgotten to do so or maybe there was a system error. In XX/XX/XXXX i was assessed a XXXX $ late fee, in XX/XX/XXXX $ late fee plus XXXX interest charge. The XX/XX/2018 statement showed a balance of {$4.00}. The account was reported as closed with missed payment and my score has dropped over 60 points which hurts my chances of getting credit due to this bank error. 

On XX/XX/2018 I made a payment of the maximum amount i could do ( XXXX $ ) in anticipation of more trumped up late fees or interest charges ... This balance is due to bank error, hence I am requesting my XXXX $ refunded via check and the credit bureaus reporting remediated ASAP to show I have not missed any payments and the balance is XXXX and was XXXX at time the account was closed. 

I have several times attempted to call the bank at the number indicated on the online statements on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  Every time i call and tried to select any of the IVR options none go through ( can not get balance or get to a representative, etc. ). I have emailed my complaint to the email on file at XXXX, however I got an automated email saying to call the general phone number ( which does not work ). I have recorded the calls showing attempt to call to solve this in a reasonably manner, however I need help at this point from CFPB since I am unable to contact this bank ... I have recorded all the calls showing desperately attempting to select any of the IVR options and none would work. 

Thank you!
Product: Credit card

1. On XXXX XXXX, 2015, my wife presented her Chase MileagePlus Awards XXXX credit card for the {$3500.00} fee. The transaction posted on XXXX XXXX, 2015. 
2. On XXXX XXXX 2015, she contacted the merchant and presented my MileagePlus Club card for the {$3500.00} fee and was told by the merchant that the charge would be reversed on her card and the merchant provided a reference number for the charge reversal - XXXX. 
3. I did make payment on the full balance of my card for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. 
4. When the reversal did not appear on her statement she initiated a formal dispute of the charge. She was instructed not to make payment. 
5. The dispute resolution department has examined the documentation provided twice and determined " that the transaction was valid. '' 6. Despite the fact that I made full payment for the services rendered on my card, despite the fact that she was instructed to withhold payment : a ) Chase has continued to assess her financing interest ( easily corrected ), b ) and more importantly, Chase has notified the credit agencies of an adverse determination ( possibly irreparable damage to her credit )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Fraudulent Accounts and Inquiries FTC Complaint # : XXXX CFPB File Number : Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. I recently spoke with a representative, XXXX XXXX XXXX ), regarding this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please notify me in writing of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

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

I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted XXXX credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXX, XXXX XXXX, capital one auto finance, and XXXX XXXX XXXX. XXXX inquired hard on my credit 3x consent wasnt given for any of these.
Product: Credit reporting or other personal consumer reports

I NOTIED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A credit card account opened at XXXX XXXX  on XX/XX/XXXX Account ( XXXX ) a personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX Account number ( XXXX ) a personal credit card account opened at XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account ( XXXX ) and a personal credit card account open at XXXX XXXX XXXX XXXX XX/XX/XXXX Account ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

A random {$290.00} disappeared from my bank account without my knowing on XX/XX/XXXX. This happened without my authorization or anticipation. I did not notice until looking up my account balance before heading out of town for holiday break. After calling Simple to inquire about this random charge and have my funds put back into my account, instead they locked up my account for now over XXXX weeks. Simple has provided zero assistance and no resolution in my matter. In fact, their customer service has flat out just gotten horrible over the last few weeks in comparison to what they used to be. I 've been a customer of Simple 's for years, since the very beginning of their inception as a company. This is the first time I 've felt completely let down and almost misled. Each and every phone agent, XXXX, dispute XXXX and email support agent gives me the same excuse of " we are sorry but have no information we will be in touch when we have something. '' This does n't fly with me. Had this been an account with ANY OTHER bank, I 'd have answers. What happened to this {$290.00}? Where did it go? Temporary credit so I can continue on about my life for the holidays? No. I 've spoken with so many agents at this point, we 've taken steps backwards and have accomplished nothing ... zilch. Judging from the dozens and dozens of similar comments over the recent weeks from other customers on Simple 's social networks - this is NOT an uncommon problem. Many other customers are reporting missing funds and Simple having no answers or resolution. Seems to be happening here right around the time of their switch to another bank or something of that nature. In any case ... something is amiss and I do n't feel Simple is handling business appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX