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

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

" XXXX XXXX XXXX XXXX '' " 2 Year Payment Description : '' " History Account '' '' XXXX XXXX XXXX XXXX XXXX  '' '' Account # : Account Status : '' '' XXXX Open '' " Account Type : '' '' Mortgage '' '' Balance Owed : '' XXXX " Credit Limit : '' XXXX '' Creditor Remarks : '' '' - '' " Creditor Type : '' '' XXXX XXXX XXXX XXXX  '' '' Date Opened : '' XXXX " Date Reported : '' XXXX '' Date of Last '' XXXX " High Balance : '' XXXX '' Last Payment : '' XXXX " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : '' " XXXX XXXX '' " 2 Year Payment Description : '' " History Account Account Type : Credit Limit : '' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} '' '' Account # : Account Status : Balance Owed : Creditor Remarks : '' '' XXXX Open {$39000.00} - '' " Creditor Type : '' '' Auto Loan '' '' Date Opened : '' '' XX/XX/XXXX '' " Date Reported : '' '' XX/XX/XXXX '' '' Date of Last '' '' XX/XX/XXXX '' " High Balance : '' XXXX '' Last Payment : '' '' XX/XX/XXXX '' " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. The XXXX Credit Card on my credit report is not my account and should be removed from all reporting agencies.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never late for. The consumer reporting agencies have assured 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 that I have included in the screenshot inside this complaint. On the dates of ( XX/XX/year>, XX/XX/year> ), 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 paid as agreed on time as they should be due to the fact I was never late. Thanks! Please view screenshot attached.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Calvery Portfolio purchased account # XXXX from XXXX XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. Calvery Portfolio changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called Cavalry spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance : {$0.00} CollectioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX  Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX, a military housing community in XXXX, FL, was my place of residence from XXXX to XXXX. In the beginning, I had only agreed to a 7 month short-term lease, with plans to move into a house I was under contract to buy. 

Things went well while I occupied the unit I lived in. However, I had been warned by colleagues about illicit & poorly explained business practices that I would fall victim to unless I took great care of the move-out process. I took great care of the property, making sure to clean thoroughly at the end of my time living in the community. By the time I finished cleaning prior to the move out inspection, the house was cleaner than it was before I moved in. 

XXXX XXXX XXXX, in their move out inspection process, charged me their standard {$300.00} cleaning fee, and then was unclear/unwilling to explain what the cleaning fee was for, aside from vague emails intended to corner me into paying the fee. I took this complaint before the XXXX XXXX XXXX XXXX XXXX, where they calmly agreed with me that the fee was clearly excessive and unfair. 

XXXX XXXX XXXX never responded to the letter sent by XXXX XXXX requesting their dismissal of the fee, and instead sent the {$300.00} cleaning fee to a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible.Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. Please contact me for additional information or questions you may have. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

2866
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts have inaccurate reporting, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX to purchase a vehicle on XX/XX/2021. I said that I wanted to purchase the vehicle using a personal check, not getting a new loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The customer service agent and finance group told me that they would NOT need to pull my credit for me to pay with a check. They asked for my social security number, and minutes later I received a notification from Experian that an additional credit inquiry had shown up on my account. I am in the process of looking to buy a house so my credit score is very important, and I believe this inquiry affected it negatively. 

I would simply like XXXX XXXX to remove the inquiry from my record. I have contacted them 3 times over the phone, and once in person at the time of the vehicle purchase, to remove it, but I have not received a response.
Product: Vehicle loan or lease

Hi, my XXXX  finance a semi truck through M @ T bank in XX/XX/XXXX. In XX/XX/XXXX I refinance because of trucking business get very slow. The payment should be started from XXXX. But bank took unauthorized payment from my account. I was talking to the bank about this matter, they said it will be adjusted to your account but never done. But in XX/XX/XXXX an unauthorized payment {$2300.00} again took out from my bank account. My monthly payment is {$1700.00}. But they deducted {$2300.00} from my bank. Now XX/XX/XXXX they steel my truck from parking without any notice or warning. Today again they try to steel money from my Bank card that was never given to this bank. Bank doing big fraud with my Account. I need help please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 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 make 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 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 am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. This resulted in significant inconvenience and financial loss. I seek app redress for these violations.
Product: Credit reporting or other personal consumer reports

On several occasions I have reached out to all three credit bureaus & the companies as well as collection agencies to try and resolve said issues. I have provided the companies and bureaus with not only medical documentation, but I have submitted everything to them to dispute and show proof these debts are not me. Since the middle of last year in XXXX I have reached out to them to get these situations settled and removed from my report and to stop the harassment, intimidation, excessive phone calls & letters. I am not sure what else to do at this point I do not know who did this and stole my identity & setup accounts but just cause the mail arrives at a certain address does not mean that person opened that account. I get mail at my address for a person who has never lived here so I am saying as a XXXX veteran who served this country honorably and someone who takes pride in their reputation I want these accounts and the adverse notes and scores inquires in all removed from my credit report and for the companies to stop calling and sending letters to me for credit cards, loans, and such things that I did not open and nobody in my home opened.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX, 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 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 months that are reported late 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, 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

Starting XX/XX/XXXX, my husband and I started receiving letters about our new Chase checking and savings accounts. Neither of us have opened any. The letters are very good and some almost look real. There was a debit card sent to me, but I do not know if it is real or not. 

Also funds were supposedly wired into the account, but then they never made it in. 

I can not find a good number to contact Chase to report fraud, or I would have already.
Product: Money transfer, virtual currency, or money service

I had Wells Fargo write a cashiers check that I decided to stop payment on. The check was written on XXXX, XXXX. I recieved notice from that they were successful in the stop payment, but I would have to wait XXXX  years to refund my money. Wells Fargo says they are responsible for payment and not me. My question is this true? The check amount is {$560000.00}.
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 violates the consumer financial protection act ( CFPB ) cash app failed to take timely and effective measures to prevent and address fraud to their platform leaving my account vulnerable unprotected further more, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric transfer fund act ( etfa ) .And regulation e!! These actions have caused significant and financial loss I am seeking appropriate redressing for these violations thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I have been a victim of a data breach and subsequent identity theft. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 
1681c-2 ( a ), I am seeking to have the following unauthorized accounts and inquiries removed from my credit file. 
Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XX/XX/XXXXXXXX : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00}XX/XX/XXXX Case Number : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXX- Date : XX/XX/XXXXXX/XX/XXXX - Date : XX/XX/XXXXXX/XX/XXXX- Date : XX/XX/XXXX
Product: Credit card or prepaid card

American Express currently has a JUDGEMENT against me, but my question ( or complaint ) is that the credit information XXXX social security number, income, employment info, etc ) used to obtain the credit card was my husband 's and NOT mine. As a FULL-TIME CAREGIVER who had not worked outside the home for decades at that point in time, I was happy with my " pay in full '' every month basic Green Card that I'd had for over 20 years when the high pressure American Express sales agent called giving us the sales pitch, catching my husband 's ear with the promises of low interest and free balance transfers. I told them I would NOT qualify as I had NO INCOME and had not had any for since XXXX. They asked how we paid our bills and my husband said " obviously on my income '' and they proceeded to take HIS INFORMATION. But rather than giving HIM a card they upgraded MY CARD including doing BALANCE TRANSFERS from his other credit cards to my card, with an open credit line of {$25000.00} ( for a person with XXXX personal income ). My husband did pay this account for on time for years, but when the recession hit and he lost his business in XXXX I was the one stuck with a debt I HAD TOLD AMERICAN EXPRESS I COULD NOT QUALIFY FOR OR AFFORD right from the get-go. Flash Forward to today : My husband and I are separated ( yes, the debt was the straw that broke the camels back ), and he nor I had the means to pay this account, and American Express would not grant any payment plan options at all, and instead took me ( and me alone ) to Court in XX/XX/XXXX winning a JUDGEMENT against ME. I am now working a part time job earning just a bit above minimum wage, XXXX XXXX XXXX and am struggling to get by, and with the JUDGEMENT also living in fear. Again, this account was given based on my husband 's income, credit, and social security, nothing to do with me, but the debt is mine -- -all mine? My question is -- -is this, was this, LEGAL?
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years i can not get credit report. The last time i tried was XX/XX/2020 i sent copy License and Social security number as per a phone call to equifax. Tried again today to check report still not available Equifax stated they did indeed receive documents and they want them again. Since i was not able to answer questions of accounts on my report correct. The accounts asked are not mine so I answer none of the above. I spoke to 3 people today very hard to understand
Product: Debt collection

I responded to a Collection notice from XXXX/Collection Connection. I made contact verbally and written on XXXX/XXXX/2016 and XXXX/XXXX/2016. Requested validation of debt twice and even attempted to just pay. I advised them all communication must be in writing. Still received phone calls from XXXX XXXX, he left numerous voicemails to call him. I even provided a credit card on XXXX/XXXX/2016 info to pay if validation debt was received. Then received another notice XXXX/XXXX/2016 that the account was being reported to the credit bureaus. To this date, i have yet received any validation of debt. I 've emailed and sent certified letter requesting validation of debt. Today I checked my credit report and they reported the debt on my credit. I find this practice unethical and eroneous.