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

Experian and XXXX are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report Experian and XXXX  to the XXXX and the XXXX!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service an 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX, XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I contacted XXXX XXXX  to settle my credit card becuase I was having money problems. And that was my original intent. But I was able to get a better paying job in XXXX and called them to cancel the settlement and start making regular payments again. I was set up on automatic monthly payments. I called more than a dozen times asking that the settlement be cancelled and this not get charged off. In XXXX this was charged off anyway even though I am making regular monthly payments. I called them again to get the charge off removed from my credit report and correct the balance. And they refuse even though I am making regular payments to us bank directly. I have 2 cards with them and the other card had the same issue and that one they corrected. This one they will not fix.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute this false information on my credit report for years. I have repeatedly requested that this company provide validation of the information they are reporting, yet they have failed to do so. Despite their inability to substantiate their claims, they continue to report inaccurate information, causing harm to my credit and financial standing. 

This ongoing failure to correct false reporting is a direct violation of my rights as an XXXX. I have given ample opportunity for this company to provide proof, yet they persist in disregarding my disputes. Their refusal to act in accordance with the law and remove the inaccurate information is unacceptable. 

I demand immediate removal of this false information from my credit report. Failure to do so will leave me no choice but to escalate this matter further.
Product: Debt collection

On XX/XX/20 I called the XXXX apartment complex to ask them to verify that they had mailed my final account to me, as I had never received it. The XXXX refused to give me evidence of the day and address that they had sent the final account to. Later on XX/XX/20 I attempted to contact IQ data international, and they insisted that The Vue did not have to prove that they had sent me a final account, nor did they have to send me a final account t before sending the debt to collections. I disagreed, stating that The XXXX  was legally obligated to send a final account and to prove to me that they had. This is when the man from IQ Data International started shouting at me, saying that I did not know what I was talking about, and that I had better pay my debt, or my credit report would be affected, and that The XXXX was not obligated to inform me about my final account at all. I feel I was treated wrongly and that the way this matter was handled is very illegal.
Product: Mortgage

Supreme Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Around XXXX, XXXX. A mortgage loan amount of almost {$200.00} XXXX was approved to someone using my identity. As when I tried to see if I could be approved I was denied but someone underwriting my personal identity got approved that was not me. And I do not know who is doing it but I have gone through identity theft since XXXX. 
XXXX XXXX XXXX XXXX XXXX Social Security Offices Example : XXXX, Co website withholding other ways for people to sign in to their MyAccount SSI? SSA?. Gov? to communicate.
Product: Credit card

company still making harassing collection calls and not accepting terms of the XXXX XXXX XXXX. payments.
Product: Credit card

I had a {$31000.00} credit limit with Barclays for a long time, I was traveling and without warning or a heads up, they lowered my credit limit to closely match with the existing balance, essentially reducing my availability from over {$12000.00} to less than {$200.00}. I was fortunate to have carried another credit card as well with me on the trip and thus was not severely impacted by this action. I called and escalated with them but they provided no resolutions and stated that they have the right to lower or close the card out as they see fit as per the agreement. The problem is the common courtesy and professionalism which they displayed none during process. While not required, credit card companies should inform their customer if adversed actions will be taken against them as they may be in the middle of a trip or an emergency that they need to be able to plan ahead for contingencies.
Product: Debt collection

I attempted to resolved the debt with Destiny Card numerous times before the balance was discharged but everytime I called to make a payment there was some error with their system. Due to this I was never able to pay online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas victim of identity Theft.
Product: Debt collection

Perfection Collection has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX Experian and XXXX were sent disputes via Certified Mail ( see attached ). In dispute were the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to Law 15 U.S.C. 1681-1681x and FCRA 623 ( b ) ( 1 ) as well as Furnisher Rule 660.4 ( a ) these inquires should have been remove within a strict time frame. It has now been 117 days without action or notice.
Product: Credit reporting or other personal consumer reports

The last payment made on this credit card account was XXXX XXXXBank of America closed this account in XX/XX/year> taking a full write off {$910.00} for an account with a {$500.00} credit limit ( the extra {$410.00} was for penalties and fees ). For XXXX years I did not hear from them. Then this account began to reappear on my credit as an " active '' account. The amount owed and the credit limit began showing and affecting my " owed '' balances. I began to receive emails from Bank of America telling me they could not sue me but I still owed them the full balance ( despite them having written it of/charged it off XXXX years ago ). Even if this is true this account should not be misrepresented/showing as an " active account '' to be used as a malicious tool to damage my credit in the way it's status is being misrepresented.
Product: Mortgage

PNC Bank is almost impossible to make contact with regarding my second mortgage loan. Each time I attempt to call I 'm on the phone no less than an hour trying to get to the department that handles my account. First they changed the account number without notifying me. The branch office where I pay my loan could n't find my account, subsequently I had to wait 40 minutes before they were able to process my payment. They gave me what they said was supposed to be my account number. Several weeks later I attempted to call the PNC regarding a notice they sent me and ended up being on the phone for over an hour, because no one could find my account number. This happens all the time!! It appears they do n't want customers contacting them. I do n't have a department phone number, there 's never any number for contact on any correspondence they send me. Additionally, I 've tried to refinance this loan several times when my credit score as well as my wife 's credit score was in the XXXX area, and we were refused, although we paid our mortgage {$1000.00} on time with a 9.74 % rate. Although now we are retired and our income has n't increased we are paying the mortgage late each month, which means PNC is charging us {$100.00} late fee each month, which is further financially destroying us. We 've had this 2nd mortgage since XXXX/XXXX/06 and we do n't want to continue to be treated unfairly, unlawfully, taken advantage of and discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

After several complaints against XXXX XXXX XXXX for reporting inaccurate information on my credit report. I am submitting another complaint of this company blatantly breaking the law at this point. My rights under the fair credit reporting act are being disregarded by the credit reporting agencies as well! Specifically XXXX Month after month they continue to break the law by not removing inaccurate information. There was an auto loan that was charged off. They sent the account to XXXX XXXX XXXX collection agency. Account number XXXX. On XX/XX/23 I settled the account in full for {$4300.00}. XXXX is reporting the account to XXXX that I only paid {$1700.00} as of XX/XX/23. Ive spoken on the phone to XXXX XXXX and they even have it in their system as being settled for less in the amount of {$4300.00}. So why are they reporting inaccurate information to XXXX, Equifax, and XXXX? I want the CFBP to hold them accountable and remove this information immediately. All the proof is there and at this point its clear to see there is something not right happening behind the scenes that needs to be corrected immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The status is incorrect for the following account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation.

2. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.

3. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

4. The following account is not mine XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

5. The following account is not mine XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

6. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

7. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

8. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

9. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
10. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
11. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
12. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
13. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

14. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
15. The following accounts were closed by me and should state that XXXX XXXX XXXX XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account XXXX XXXX XXXX XXXX XXXX Balance Owed : {$46000.00}
Product: Debt collection

XXXX XXXX ( XXXX ) continued to charge Complainant for non-contractual service after service had been canceled by Complainant. Complainant then disputed charges with XXXX. However, XXXX sent Debt to collection agency, Sequium Asset Solutions LLC, XXXX XXXX XXXX, Suites XXXX, XXXX, GA XXXX. 

Sequium Asset Solutions LLC, contacted Complainant, via letter sent through United States Postal Service Mail on XX/XX/XXXX. Within 30 days of receipt of letter, XXXX responded to Sequium via XXXXsequiumXXXX to dispute debt and request proof of obligation. Confirmation of such was provided via XXXXsequium.XXXX dialog box. 

There was no other contact with Sequium, thereafter. 

On XX/XX/XXXX, a Collection was placed on the XXXX, XXXX  and XXXX Credit Reports of Complainant for {$160.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX, whom Complainant was not familiar with nor had any previous contact with. 
The actions of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX, has damaged the hard-earned credit score and reputation of the Complainant considerably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 9 late payments on my credit report which equals 1 XXXX XXXX payment. I contacted XXXX  about the 30 days late for XX/XX/XXXX, XXXX agreed to update the late payment to current, as XX/XX/XXXX was in special forebearance, updated to a XXXX, and was affected by a declared natural disaster for XXXX XXXX, during XXXX XXXX. XXXX sent me a letter to confirm the update to bring my payment current, back in XXXX of XXXX. I have disputed the Experian credit report to Experian to update my credit report. ( XXXX and XXXX has updated to current, no late payments last year. ) Experian system was malfunctioning, they updated a month I did not dispute, they updated the credit report to show 90 days late ( which was previously 30 late ), and never corrected this. The credit report should have removed the late payments. 

I have spent 90 days, and 3 attempts to correct the Experian Credit report with no success. And now I must start all over again and contact XXXX to ask them to remove the late payments, which they have already agreed to do and report the update to Experian. 

Experian has neglected to update my credit report, while spamming me with offers, and lowering my credit score by XXXX points when there were no new events to warrant the decrease, while I was in dispute. 

I have attached the letter from XXXX date XXXX. Tonight, XXXX Experian completed the 3rd dispute saying the late payment was confirmed and verified. this is a lie. The letter from XXXX and my phone call with XXXX proves otherwise. 

Experian has not dealt with this dispute honestly, therefore it is not resloved.
Product: Debt collection

XXXX XXXX and XXXX have a negative credit card debt on my account from XXXX XXXX XXXXf {$300.00} thats not mine Ive disputed it but no response or results
Product: Credit reporting or other personal consumer reports

I recently check my credit and saw there were some fraudulent accounts that I didnt authorized here are the accounts BULLCITY FINANCIAL SOLUTIONS amount {$4900.00}, XXXX XXXX XXXX {$190.00}, and XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem trying to submit disputes directly to Experian through their online system. Im hoping this can get to them without problem their dispute system seems to lock me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Product: Debt collection

Account with IC SYSTEM INC has been disputed on my credit report, however, it has not been removed. I have no knowledge of this account.
Product: Checking or savings account

My mother died on XX/XX/XXXX. Her Chase bank account listed my brother, sister and I as beneficiaries. On XX/XX/XXXX, I wrote to ask them to distribute it. They replied to my email and on XX/XX/XXXX, I mailed the death certificate as requested. When I followed up by email on XX/XX/XXXX, I was then told they needed notarized requests from each of us. I sent mine by certified mail on XX/XX/XXXX, it was received by the bank on XXXX. My brother and sister were paid on XX/XX/XXXX. I followed up again on XXXX and was told they had not received my letter. I immediately sent them proofs of receipt and a copy of my letter, and have received no response. 

XXXX months have passed. Numerous phone calls were never returned. Chase has never responded with confirmations of submitted material or instructions on next steps, repeatedly waiting for me to follow-up. In addition, about a week after my mom 's death, they placed a huge debit against the account, effectively closing it to any payments while NEVER alerting us as to why this step was taken ( I discovered this is their policy when checking other customer reports online ). It was quite upsetting at the time. I believe the bank simply does not care about consumers who don't have large accounts. We were never given an overview of the bank 's policies or what was needed. In addition, it appears that at every step, low-level clerks are handling the matter. They take minimal steps or simply set it aside. 

I had a XXXX XXXX XXXX  on this account for several years as my mother was in ill health. Chase has my signature on file and my address is the same as my mother 's. There is no reason why this account shouldn't have been distributed months ago.
Product: Credit card or prepaid card

On XX/XX/2022, I submitted a claim from the CFPB XXXX. I believe I was talking to XXXX from the chief executive office. Which she did very well to solve my issue. However, I was told by her once I received my new card I would be able to create a new online portal account. But, now on XX/XX/2022 I still can't create an online portal. I've called about this and I was rudely told by the man from the XXXX department that I would have to visit a branch. I told him the the nearest branch is XXXX away which is not even possible.