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

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Debt collection

I owed debts to allied collection service for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but XXXX still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you correct errors in my credit report. On XX/XX/XXXX, I contacted Transunion about incorrect information on my credit report, but to date, I have not received any response. 

Firstly, I require that you verify the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ) due to incorrect reporting. I am uncertain about the accuracy of the balance you report for this account, as I do not recall owing such a high amount. Furthermore, your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I will be contacting the creditor to clarify this matter. In the meantime, please mark this account as disputed to prevent it from negatively impacting my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 

Secondly, I require that you verify the account identified aXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$990.00} ) due to incorrect reporting. The balance you report for this account is inaccurate, and I believe it should be a lower amount. Moreover, the Past Due amount should not be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request that you verify the Date Opened, Date of Status, and First Reported. 

Thirdly, I require that you examine the account XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) due to incorrect reporting. The Balance of {$1900.00} that you report seems to be higher than what I remember. Additionally, your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I plan to address this matter directly with the creditor, but I need your agency to report the account as disputed while I seek a resolution. 

Finally, I would like to bring to your attention that the following accounts are not mine and request that you remove them from my credit report : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), and COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed inaccuracies with an account named XXXX XXXX on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can not be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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: Money transfer, virtual currency, or money service

I was using the Cash App, by SQUARE , INC, as an account to separate budgeted money for my wedding in XX/XX/2019. 

In XX/XX/2019, my debit card linked to Cash App was declined. When I went to the app, I was surprised to see my account had been closed, saying I violated their user agreement. I don't know which term ( s ) were violated specifically as I have not had any personal communication from customer service, only generic automated emails that I will describe below. I tried to contact customer service to reopen my account, but was unsuccessful at contacting anyone. There is no phone number to call, only an entry form to send an email to customer service. 

After emailing customer service, I received a generic email response stating my account was closed and to follow instructions to add my bank debit card or account to withdraw my remaining balance. 

I followed the instructions that were sent to me to retrieve my remaining balance. After going through all the steps, at the end, to verify my account, I am redirected to a screen saying that my account is closed and that I need to add a bank account or debit card to withdraw any remaining balance. Adding a debit card manually results in a response saying my account is closed and to contact customer service. Adding a bank account using the bank login and password also results in a screen saying I can't do that because by account is closed and to contact customer service. The third and final option to verify my identity is to scan my debit card. This will also result in a message stating my account is closed and that I need to contact customer service. Each time I contact customer service using the only method provided, I get an automated response with directions described above. I have screenshots of each generic email showing I received their generic response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With exception to these generic emails with faulty instructions to retrieve my remaining balance of {$220.00}, there has been no attempt by Cash App or SQUARE , INC to contact me to correct the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXX XXXX XXXX XXXX Unfortunately, I had to return the XXXXXXXX XXXX about a XXXX later. I had paid XXXX XXXX  payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXX XXXX XXXX account and I never got my refund check for the over payment.
Product: Mortgage

Im in a repayment agreement after a forbearance and Im paying as agreed. But they are not only reporting to credit bureau that Im delinquent which Im not. Im paying as agreed. Now they are sending me foreclosure paperwork and charging me forclosure fees. Which there not support to do while in payment arrangements..
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/23, I received a phone call from XXXX. The caller claimed to be from the Chase bank fraud department. They asked if I authorized a wire transfer for {$15000.00} to a " XXXX XXXX '' in XXXX. I replied that I absolutely did not. The person instructed me that in order to dispute the transfer, I would have to log into my Chase bank app. I have experienced similar scenarios before in which Chase bank has contacted me to ask if I authorized certain charges. For example, when I have been in another state making a purchase, ( even for charges as little as {$5.00} ), I have been contacted by Chase fraud department to confirm that I was the one making the purchase. The caller knew my personal information including my full name, phone number, address, and the balance in my bank account. He proceeded to explain how I should " dispute the transfer ''. In reality, he was instructing me to wire the {$15000.00} to an account with XXXX XXXX. In the midst of all this, I entered my local Chase branch to investigate and report what was happening. After speaking with several Chase representatives, I was told that unfortunately, " this is ( my ) loss. '' Chase is no longer pursuing my claim. I have subsequently filed a police report, and XXXX XXXX is being subpoenaed for the recipient account information. The ADA has been notified.
Product: Vehicle loan or lease

MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, XXXX, CASE XXXX. YOU WERE SENT A INFORMATION ONLY NOTICE AND NOW HAVE RESTRICTEED SAID ACCOUNT XXXX, SEE ATTACHED! 

ALSO, PLEASE BE ADVISED THAT THIS LEASE IS LISTED ON SCHEDULE C : '' THE PROPRTY WE CLAIM AS EXEMPT. ( FORM 106C ). 

AS A RESULT OF THIS CONFUSION, MY LEASE PAYMENT IS NOW LATE, AND ASSESSED FEE 'S. 

EFFECTIVE TODAY UN-RESTRICT THIS ACCOUNT AND REVERSE ALL LATE FEE 'S AND CORRECT ALL CREDIT REPORTING TO REFLECT PAYING AS A AGREED NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, To this day OVER 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I requested trafficking victims rights from XXXX, my creditors and a the leasing XXXX rental screening. I sent my victims case numbers from DOJ. letter from the attorney genrel for me, XXXX letter and hr XXXX bill and drivers license. Each organization just pasted me from to the other org. saying they couldn't make the change.
Product: Credit reporting

TRANSUNION CONTINUE TO VIOLATE FCRA PROVISION 606 AND 623 OF REPORTING OUTDATED PUBLIC RECORDS AND AUTO LOAN ... ... NOT MY ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted BARCLAYS BANK DELAWARE & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

BRCLYSBANKDE XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for their failure to properly investigate and remove unauthorized hard inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below, XXXX detail the issue and supporting information : Unauthorized Inquiries Identified : During a recent review of my credit report, I discovered multiple hard inquiries that were conducted without my authorization. These inquiries were made without my written or verbal consent and do not have a permissible purpose as required under Section 604 of the FCRA ( 15 U.S.C. 1681b ).

Violation of Verification Obligations : I submitted a dispute letter to Equifax requesting verification of these inquiries, including copies of the original signed contracts that purportedly authorize them. Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, Equifax is legally required to provide verification, yet they failed to do so.

Failure to Reinvestigate and Remove Inaccurate Information : Pursuant to Section 611 ( a ) of the FCRA, any information deemed inaccurate or unverifiable must be removed from the credit report. XXXX inaction following my dispute constitutes non-compliance with this requirement. 

Identity Theft Claim : These unauthorized inquiries are potentially linked to identity theft. I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and included it in my dispute submission. Equifax is required under 15 U.S.C. 1681c-2 to address identity theft claims promptly and accurately. 

List of Disputed Hard Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX ) has violated my rights 15 USC 1681 section 602 a states, I have the right to privacy. 15 USC 1681 SECTION 604 A section 2 : it also states, a consumer report agency, can not furnish an account without my. Written instructions. I have tried to resolve this issue too many times with this company. It is truly A shame How I'm being done and mistreated and violation of my constitutional rights.. hurting me and my family.
Product: Debt collection

I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX years old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015
Product: Credit reporting or other personal consumer reports

Account Number Balance XXXX XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from
Product: Debt collection

A company located in XXXX, Texas by the name of Collectech has been notified that the accounts they have listed under my name are not in fact mine, they have continued to report the accounts to credit bureaus even with the report number I have given them from CFPB. I called to see what could be done about the accounts since for years now I have tried diligently to prove these accounts are not mine and have tried to get them removed from my credit. I felt the only way out of the debt being reported would be to pay these items even though they do not belong to me. I called and spoke with a lady at Collectech today, I advised her that one of the two accounts is still showing on my credit and that I needed to see what could be done to remove the item from my credit and clear my name from their system. She proceeded to ask me verifying information, I gave her the account number to the collection I was referring to totaling {$530.00} ; the rep then informed me that there was another account and that I needed to pay them both, I told her that I would make arrangements on that one at a later time but explained that I was a victim of fraud and that neither account was mine so I was doing my due diligence to resolve one of the two accounts at the time. The lady then threatened me by saying she would put them on my credit all over again if I did not furnish a police report and that she would not make an arrangement on one bill but she would make an arrangement on both. I advised it is illegal to threaten to report to the credit bureau an account that has been proven not to be mine and advised I will not pay anything and hung up. ( the rep kept saying the debt was under the name XXXX XXXX which is not my name- i believe this debt was incurred by a girlfriend of my ex husbands- several accounts were opened with my information by my ex husband and his girlfriend to try to damage my credit )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reported to Experian, by letter that the personal for me was incorrect and I asked for it to be corrected. As of today, XX/XX/year> there has been no change.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX  balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from Transunion, XXXX and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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 who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.