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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting. 
XX/XX/XXXXXXXX XXXX {$7100.00} XXXX {$780.00}
Product: Debt collection

I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with Synchrony Bank, they have started a fraud investigation. The summons and the account are not my name. 
When I say May name is not XXXX XXXX, XXXX XXXX refuses to talk with me. I was advised to file a complaint with you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate bankruptcy entry on my credit report. I have contacted the bankruptcy court, and they provided me with a letter confirming that no such bankruptcy has been reported for me. This incorrect information on my credit report is not only unverified but also illegal. I urge you to immediately investigate this matter and correct my credit report to reflect accurate information. It is deeply concerning that TransUnion is reporting inaccurate information that could significantly impact my creditworthiness. I must emphasize that this erroneous reporting is not only misleading but also potentially damaging to my financial standing. I urge you to rectify this error immediately under the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate this matter promptly and remove the inaccurate bankruptcy entry from my credit report. I expect a swift resolution and confirmation of the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

I have an account that I am not recognizing or is in accurate and it is on my credit report. It needs to be removed immediately short about us that is not supposed to be reporting on my credit report. It is in accurate. It is a strict violation of law.

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card or prepaid card

Synchrony Bank ( Belk Credit Card ) Decreased my limit in XX/XX/20181100 to 800. Then XX/XX/2018from {$800.00} to {$240.00}. I was making on time payments every month. This lowered my FICO score tremendously. When I applied for the credit card initially I didn't have any credit at all and was approved immediately for {$1100.00}. I have contact them and spoken with Synchrony over the phone. The issue wasn't solved. I have a credit limit with them now for {$240.00}. I applied for a credit increase however I was denied. I wanted the balance increased so my FICO can go back up.
Product: Credit card or prepaid card

On XX/XX/XXXX, unauthorized charge from XXXX XXXX for {$75.00}. 
On XX/XX/XXXX authorized charge for {$65.00} from XXXX XXXX. 
I disputed to Capital One Venture Card the XX/XX/XXXX from XXXX XXXX for unauthorized {$75.00}. 
On XX/XX/XXXX Capital One credited my Venture One card {$10.00} + $ XXXX= {$75.00}. 
-- -- On XX/XX/XXXX, Capital One charged back my Venture One card {$75.00}. THIS IS ILLEGAL. 
Today, I disputed again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this credit reoorting on my profile removed? 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Charge Off XXXX - XXXX - {$2800.00} XXXX CARD - XXXX - {$11000.00} XXXX - XXXX - {$0.00} Late Payment XXXX CARD - XXXX - {$5200.00} Inquiry XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and send disputes regarding inaccurate or incomplete information. I sent disputes to attempt to have investigated and I did not receive and updates or credit reports advising of results. My disputes was regrading account XXXX XXXX XXXX account number:XXXX****. This account is listed as charged off but is showing a balance of {$15000.00}, an open date XX/XX/XXXX, and last payment date of XX/XX/XXXX. I see account is reporting inaccurate. Per the FCDPA no account bearing a charge of can not have a balance listed. Also, the open date is different from other credit reporting bureaus. I sure that this creditor only reports once and this date is incorrect. Lastly, the last payment date shown to be XX/XX/XXXX but my payment history listed as of XX/XX/XXXX show an on-time payment. How is this possible. Again, this account in reporting inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was totaled in an accident on XX/XX/19. XXXX XXXX refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with Personal Service Insurance Company ( XXXX ).
Product: Credit reporting

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX, XXXX, XXXX, etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Product: Debt collection

I've been contacted on my work cell phone number 3-4 times over the previous 2 years by a company trying to collect a debt on my father ( who presumably used my phone number as a reference when applying for a loan ). I've instructed the caller in each instance to never contact my number again, and that they were illegally calling a work phone number. The last time they called was on XX/XX/2018. The company 's name is XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. The collector provided his name as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account XXXX, Has Violated my rights. XXXX XXXX XXXX bank Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX  XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX  Account # XXXX, Has Violated my rights. XXXX XXXX Account # XXXX, Has Violated my rights, XXXX  Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. Equifax has inaccurate data with addresses that I am not associated with, 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 an account without my written instructions 15 U.S. C 168Tc. ( 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 XXXX 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 or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 in XXXX, XXXX, XXXX and XXXX to be removed. 

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! 15 USC 1666b ( a ) Time to make 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. 

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

some information regarding the recent closure of my bank account, including my savings, checking account, and credit card. I was informed by a customer service representative that my account has been terminated, and the bank will be ending its relationship with me within XXXX  days. I would appreciate it if you could kindly provide me with the reason for this decision, as I am unclear as to what might have caused it. The account closure was effective on XXXX, XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exparian and XXXX  refuses to block fraudulent accounts from my credit file. Ive sent multiple request via us mail. This is my 3rd CFPB complaint. They keep asking for more time. Ive been a victim of identity theft and need these items blocked per fcra. Ive sent in ftc report. im told it isnt clear. Well i can read it clearly. I have NEVER DONE BUSINESS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREFERRED LEASE EXPARIAN OR XXXX or any of the following companies listed cant produce a signed agreement with my real legal signature!! 
PURSUANT TO SECTION 605B OF THE FCRA REPORTING ACT and send the required notifications to ALL FURNISHERS OF THIS INFORMATION!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I am writing to formally dispute several hard inquiries that appear on my credit report, which I believe to be inaccurate, unauthorized, or otherwise not in compliance with the Fair Credit Reporting Act ( FCRA ). As such, I respectfully request that these inquiries be removed. 

Under Section 605 of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency must ensure that information in a consumer 's file is accurate and up-to-date. Furthermore, Section 604 of the FCRA limits when and how a credit report can be accessed by third parties. Only authorized entities or those with a permissible purpose are allowed to conduct hard inquiries. 

Specifically, I dispute the following inquiries that appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my consent or authorization. Under Section 604 of the FCRA, any inquiry made without proper authorization constitutes an unauthorized inquiry and is not permissible on my credit report.

Please investigate this matter and remove these unauthorized hard inquiries from my credit report as required by the FCRA. According to Section 611 of the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. I request that you send me an updated copy of my credit report after the disputed inquiries have been removed.

If any of the listed inquiries are found to be authorized and accurate, I ask that you provide me with the documentation verifying my consent or the permissible purpose under the FCRA that justified these inquiries.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inquiries have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, and They updated on XX/XX/XXXX the on-time payment but never removed the derogatory mark on my credit report. The wrong information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX, ( being an on-time payment ). However, it is still reported as being more than 30 days late. This information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case.
Product: Mortgage

I sent certified mail to the attention of XXXX XXXX XXXX XXXX which was received on XX/XX/XXXX. I did not receive a acknowledgement letter of receipt nor a response from the CEO of Wells Fargo Bank. It has now been over three weeks since XXXX XXXX 's receipt of mail. Wells Fargo needs to respond to my summation of the false foreclosure they fabricated and honor the CFPB XXXX Consent Order for their errors and mistakes and to make me whole for the market value of my former home XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$700000.00} according to XXXX. Copies of my letter were set to XXXX XXXX, XXXX XXXX and XXXX XXXX press agent for the OCC. I put down {$70000.00} in cash toward payment directly to XXXXXXXX XXXX The sale price was {$360000.00}. Quotes from XXXX XXXX XXXX : '' 35. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is unfair if it causes or is likely to cause consumers substantial injury that is not reasonably avoidable and if the substantial injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C.

5531 ( c ) ( 1 ) .36. Respondents acts and practices described in paragraphs 31 through 34 caused substantial injury to consumers that was not reasonably avoidable or outweighed by any countervailing benefit to consumers or to
competition. '' " 79. Respondent must cooperate fully to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Respondent must provide such information in its possession or control within 30 days of receiving a written request from the Bureau. '' " 93. The provisions of this Consent Order will be enforceable by the Bureau. For any violation of this Consent Order, the Bureau may impose the maximum amount of civil money penalties allowed under 1055 ( c ) of the CFPA, 12 U.S.C. 5565 ( c ). In connection with any attempt by the Bureau to enforce this Consent Order in federal district court, the Bureau may serve Respondent wherever Respondent may be found, and Respondent may not contest that courts personal jurisdiction over Respondent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have previously reached out to Helvey & Associates and also XXXX XXXX to correct the account status reporting inaccurate. this account has been paid and it's still reporting derogatory status. this is stopping me from improving my credit scores. i have attached the proof via receipt that this account has been paid XXXX XXXX. 

Helvey & Associates - Acct XXXX - delete this account because account status reporting inaccurate. 

Payment confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report in Transunion. It indicated that the credit inquiry was made by the credit company listed below. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX
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, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, they 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 dress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I have supplied my divorce decree / Marital agreement multiple times to all three creditors asking for a loan to be removed off my report because it is court ordered for my ex to pay the loan. Even though both of our names are on the loan he is court mandated to pay it. He has stopped paying this loan and it has messed up my credit. I even had to pull all my money out of my normal bank because of this issue. I need help getting this off my credit and fixing my credit report. Thank you. 

XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Move to dispute all hard inquiries reported by XXXX XXXX, XXXX, and Experian. Was told they were just collecting data and running credit report. And information will have no effect on credit report. They were doing soft pull of information.credit report. Incorrect reporting of chapter XXXX filing pending status with notice of Motion of dismissed granted XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I sent disputes on XXXX XXXX and today XX/XX/XXXX to XXXXXXXX XXXX and transunion. They have no fixed any of the errors on my report. There are multiple errors with each account and need to be deleted. Most of the creditors have no even entered a notice of dispute. They havent touched the accounts. I want an actual investigation into accounts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains an inaccurate late payment for my account with XXXX XXXXXXXX XXXX. I contacted XXXX XXXXXXXX XXXX, and they confirmed that they have already submitted the necessary updates to correct this error. However, my most recent credit report still reflects the late payment, indicating that the credit bureaus have not updated my account information. 

The account in question is : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/year>. 

I have never been late on payments for this account, and this error is unfairly damaging my credit score. This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures accurate and truthful reporting of consumer information.