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

I am pleading to have my goodwill request fulfilled. I have been an over 3 decade long customer of XXXX and hold many assets. XXXX stated to me that they do not submit anything in goodWill. This is outrageous. I am elderly and dealt with a life event in which My payments slipped through the cracks. I satisfied my obligation as soon as possible. I visited the branch in XXXX XXXX. To make them aware of my situation but yet they still reported me late. Please remove the lates on my XXXX  account out of goodwill please.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX 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 Remove inaccurate information, charged off accounts, collections, bankruptcy, accounts showing as loans. The inaccurate information is prohibiting me from making progress and should not be on my profile. The account is showing differently than other agencies.

15 USC 1681 ( n ) and 15 USC1681 ( o )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is constantly placing an account that I have disputed numerous times on my credit report. I do not owe this amount to XXXX XXXX XXXX. I did not break my lease. This is an inaccurate account with unauthorized charges on my credit report. I have filed a complaint with CFPD and still have not received any information from Experian regarding my complaint.
Product: Mortgage

Bank of America recently removed the online option that allowed the consumer to direct an overpayment of their monthly mortgage payment toward their principal balance. According to Bank of America agents, in order to pay extra toward our mortgage principal balance we now must wait until the initial payment has cleared and then make a second payment otherwise it will be allocated automatically to the next month 's bill, therefore not reducing interest accrual. The delay they are causing means consumers will pay more in interest and we believe that many people will not bother to make the second payment meaning the bank makes more money and the consumer loses a valuable tool to pay less. Bank of America should not be allowed to circumvent the consumer 's right to prepay their mortgage most efficiently. We hope that the Consumer Financial Protection Bureau can intervene on behalf of Bank of America consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX XXXX  provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than XXXX  days before the payment due date, as required under XXXX XXXX XXXX ( b ). This should also include all information mandated by XXXX XXXX XXXX ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have XXXX  days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, and TransUnion. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX Experian due to their failure to accurately report my credit information, which has severely impacted my life for the past two years. I am devastated by the ongoing struggle with both XXXX and experian to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. 
The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. Despite numerous dispute letters and formal requests for correction, XXXX continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. 
These agencies are not adhering to the standards required by law, and I feel helpless. 
Specific Issues : - XXXX XXXX Experian continues to report inaccurate information despite my repeated disputes. 
- XXXX XXXX Experian has not provided the names, dates, or contact details of individuals they spoke with during their investigations. 
- Outdated and incorrect personal information remains on my report. 
- XXXX and Experian is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. 
Supporting Documents : I have attached multiple dispute letters and affidavits sent to XXXX and Experian, detailing my issues.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my account was closed it says it was closed because my account was linked to a terms of service but I wasnt able to get in contact with anyone. It was a well used app of mine that I liked but now it got me in a state where I dont wan na use mobile no more. I don have more then XXXX account close this just the only one I can get into because of e-mail and new phone issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In lateXX/XX/XXXX I discovered numerous accounts and information existing on my personal credit reports that was not mine. I disputed the them with all three credit bureaus, and most of the erroneous information was corrected. However, one or two accounts remained. I then contacted the FTC on XX/XX/XXXX, and opened an identity theft case.

With their help, I was able to institute a recovery plan to correct the remaining fraudulent information and was successful at effectively working with XXXX, XXXX, as well as the creditors in question, all of whom have corrected these inaccuracies.

Having said that, Equifax, after receiving my identity theft report and corresponding documentation via Certified Mail on XX/XX/XXXX, have proven extremely difficult and unprofessional to work with, and apparently they have decided to thumb their noses at any Federal Laws pertaining to credit reporting or identity theft by refusing to remove the last remaining fraudulent account from my credit file, even after the original creditor conceded to it's illegitimacy, thus violating the removal within 4 business days, or the 30 day removal of inaccurate information known to be unverifiable and inaccurate, Federal Laws.

Additionally, it seems they have " updated '' this one remaining fraudulent account to now list XXXX XXXX as the original creditor, ( from the previous XXXX XXXX XXXX ), and also alter the reported original date of delinquency to XX/XX/XXXX, ( from the previous XX/XX/XXXX), presumably in an effort to further victimize me and my family by re-aging this account to stay on their reports longer.

Please ... any help the CFPB can be in these regards would be greatly appreciated.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/XXXX regarding student loan company XXXX/XXXX falsely reporting payments being made to them. The last payment made to XXXX/XXXX for was in XX/XX/XXXX as documented on their website ( See attached ) however every time they sell the loan to a new collection agency they are then reporting to Experian that I have made a payment. They have reported I made payments in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ( see attached ). I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was in XX/XX/XXXX that would make my date of first delinquency XX/XX/XXXX which means we are now at the 7 year statute of limitations in which this should be removed from my credit report. Experian completed their investigation on XX/XX/XXXX and indicated that they would not be removing this from my report until XX/XX/XXXX. Furthermore, Experian has allowed this loan to be reported a second time on my credit report under XXXX but the same account number see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX  I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that 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 not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, on my way to XXXX, XXXX for a graduation trip, my wallet and phone were taken in a gas station. Having these two items pickpocketed without my knowledge led to me losing the duo of my items for a period of about 3 hours. Upon reaching the graduation party, I realized I had lost the items and doubled back as quickly as possible. I retraced these steps and came back to the same gas station and I was lucky enough to receive my wallet and phone seemingly Uncompromised. This didnt last long because I checked my Bank of America account activity and I saw there was a XXXX dollar XXXX transfer from my account to another account that happened between XXXX and XXXX that day. I made sure to call the bank THAT SAME VERY DAY and spoke to a representative named XXXX who assured me that he was on it, and he would file a fraud case. I left the case in his care and hoped everything would work out. I called back in the following Monday only to find out that XXXX had not in fact filed a fraud case, and as a result I had to file a fraud case, close the compromised bank account ( checking ) and also close the connected savings account. This flippant and nonchalant behavior annoyed me, but I trusted that the Bank of America would make good on its {$0.00} liability policy, especially considering the Reg E protections consumers enjoy as stated by the federal government ( https : //www.federalreserve.govXXXX ). I had the case opened and on Friday, XX/XX/XXXX I reached back out to the bank and spoke to a representative in XXXX XXXX who I updated with the police case number that I had. He assured me all was well and that they were doing their best. Again, I reached out to the bank of XX/XX/XXXX, and spoke to a representative who informed me that my fraud claim was successfully processed and I would in fact be receiving my refund on Friday, XX/XX/XXXX. Ecstatic that the bank was helping me correct this fraudulent activity, I left it at that. On XX/XX/XXXX, I called the Bank of America fraud center at around XXXX to inquire about the status of the pending funds, and the representative by the name of XXXX told me that I would receive those funds by the end of the day. By the end of the day, I then called in again, and spoke to a representative named XXXX who told me that my claim had been denied and since the funds were sent with my phone, that I was liable for the fradulent charges. Therefore I would not be getting my money back. Not only does that conflict with all previous messaging, but that also felt like a violation of the protections that I am legally guaranteed. I was hoping that by reporting this activity that I can rectify this case and be restored. I am a XXXX XXXX who can not afford a financial blow of this magnitude. I beg you with everything in me to help me get this fixed. 

I also have the police report number on hand if it could help. XXXX Also, Im my conversation with XXXX, it was made clear that the account the funds were transferred to existed with XXXX XXXX. ( XXXX ) is the account email that the money was XXXX transferred to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I IDENTITY WAS STOLEN AND I TRIED TO PUT A LOCK ON MY SOCIAL SECURITY NUMBER AND ONE OF THE QUESTIONS ASKED WAS WHICH BANK DID I GET A XXXX FROM. XXXX XXXX BUT I NEED ASSISTANCE IN VERIFYING IF MY ESTRANGED WIFE USED MY IDENTITY TO PURCHASE A HOUSE.
Product: Vehicle loan or lease

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

XXXX inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXXinquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

XXXX XXXX, Last 4 digits of SSN XXXX, XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B 15 USC 1681c-2 that you block information appearing on my consumer credit report that is the result of identity theft and fraud upon receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit card accounts and medical accounts such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bal. {$840.00} opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} opened XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX balance {$1600.00} opened on XXXX XXXX. I do not recognize the aforementioned accounts and collections as reported. I have attached a copy of FTC Identity Theft Complaint report XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned accounts consumer credit accounts and collections are a result of identity theft and fraud. If you are unable to provide me with proof under FCRA 15 USC 1692G the consumer reporting agency shall promptly delete these items off my credit file..
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to address an account on my credit reported by XXXX XXXX which is not being reported accurately. My disputes of this concern have not been responded to. The account being reported by XXXX XXXX has reported 120 days late each month for over 9 months while reporting the last payment date of XX/XX/2020. The account was initially charged off in XX/XX/2020 but was reopened a few months later. If you review the past due amount it will clearly show that the amount is far past due. How could this be accurate? Unfortunately, the vehicle that I was financing blow a head gasket and is in need of a new engine, financially this has put me in a bad place. However, I expect the account to reported accurately. The creditor and the credit bureaus are in direct violation of the FCRA as it pertains to reporting information correctly and responding to disputes.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Product: Money transfer, virtual currency, or money service

Good day, Ive checked my coinbase wallet and all my money in there was gone I have a total of XXXX ETH equivalent to XXXXphp in my coinbase wallet but i havent done any withdrawal transaction. 

I tried to email them several times but no response since XXXX XXXX
Product: Credit card or prepaid card

There was fraud in my XXXX account. A purchase was made and delivered to a fraudulent address in California. 

I immediately contacted XXXX who said, " We can not stop or apply credit for merchandise that has already been delivered. Please dispute this charge through your credit card company and we will agree to the credit. '' Unfortunately, the product was delivered so quickly I was left without recourse. 

I filed a dispute with American Express who quickly denied the dispute and claim I am responsible for the charge. 

My first knowledge of this charge was a delivery notice to the fraudulent address. I immediately contacted both XXXX and AMEX, both of whom refused to provide credit for the fraudulent purchase.