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

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 700 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian business.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Special financing .... unite consumer.. XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX 15 U-S-C 1681 section 602 A. States I have the right to privacy.

15 U-S-C 1681 section 604 A- Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U-S-C 1681 ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U-S-C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause too believe that the information is inaccurate.
Product: Checking or savings account

I was signed up without my knowledge for an Experian digital checking account. They REQUIRE you call in to cancel instead of allowing an online cancellation and request personal information I don't want to provide for my security over the phone. I don't want to be sold anything else and just want my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern My XXXX credit card history has not updated on my consumer credit report since XX/XX/XXXX On my billing cycle for XXXX I had a new balance of {$3800.00} the payment was due by XX/XX/XXXX I paid the balance in full on XX/XX/XXXX from my personal bank account ending in XXXX. 

My account number thats on my billing statement and the balance latter is XXXX but the account number thats being reported to XXXX, XXXX XXXX EXPERIAN is XXXX XXXX XXXX XXXX has been reporting this inaccurate account number to XXXX, XXXX & EXPERIAN since XX/XX/XXXX. 

My credit score has been negatively impacted due to the inaccurate reporting for the past two years. 

Please ( UPDATED ) the correct account number XXXX to XXXX, XXXX XXXX EXPERIAN immediately to a XXXX balance!!! 

Also my credit card statement from XXXX has a new balance of $ XXXX I have reached out to XXXX credit card support team on several occasions for balance letters while inquiring when the credit card XXXX balance will update not knowing XXXX has been reporting the incorrect account information on my consumer credit report. It has already been 2 full months and 2 week since XXXX last update to my consumer, credit report which includes Experian, XXXX, and XXXX. 

Ive notified XXXX support services XXXX, XXXX, Experian through a certified letters with tracking to support my claim. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U. S. C. 1681s-2 et seq., including but not limited to : Accuracy and fairness of credit reporting according to 15 U. S. C. 1681 Section 602 ( a ) Reporting information with actual knowledge of errors : 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. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency. 

( i ) If the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( 2 ) Duty to correct and update information : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * Accurate Account Number # XXXX Thats on my statements each month for the past 2 years. 

* Inaccurate Account Number # XXXX thats reporting on my consumer report for the past 2 years. 

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

In XXXX XXXX breached there own contract and never helped me with 23 out of 95 orders that was ordered thru XXXX and paid with paypal. Paypal chose to not help me and locked my account as a buyer and trying to get help with the orders that were never shipped. Paypal has kept me locked out of my account and I was told buy the synchrony Bank the buyer of paypal credit the last payment was XX/XX/XXXX in the amount of XXXX. I need the payment history from Synchrony Bank. The dates and amounts. This should not be that hard to obtain and I have asked paypal and the Bank for the information they have not provided. If in fact they dont provide this info they need to remove this from my credit reports.
Product: Mortgage

My loan was transferred from XXXX XXXX to Shellpoint Mortgage. This transfer took place at approximately XX/XX/XXXX. My payment was made to XXXX XXXX  on XX/XX/XXXX. XXXX applied the escrow portion to my escrow account. They then transferred the XXXX XXXX XXXX  to Shell Point. I have provided multiple bank statements and previous mortgage statements showing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated report in XXXX XXXX, There are multiple errors in the accounts listing that are damaging to me including payment history, and account status. Please update for lawful accuracy these accounts listed below : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding XXXX handling of disputes particularly in light of the CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times And reporting discrepancies My financial institution XXXX failed to Investigate my claims adequately. They Informed me that recovering any lost funds was Impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but had allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency Is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  a wire transfer was sent using the attached wire instructions. The account turned out to be a fraudulent XXXX account opened at First Interstate Bank. The wire transfer was for the amount {$140000.00} and was authorized under fraudulent pretenses. First Interstate Bank failed to verify the account holder 's business license, EIN or photo identification. Failure to do so resulted in the First Interstate Bank account holder receiving {$140000.00} fraudulently and subsequently moving the funds to continue with the fraudulent/deceptive business practices. First Interstate Bank is refusing to return the funds that they received on behalf of a fraudulent account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any financial obligation to these companies
Product: Debt collection

I noticed that a collection appeared on my credit files on all three major Credit cards Bureaus that do not belong to me, I have no knowledge of if this company that's trying to collect a debt from me. I need them removed my credit profiles ASAP.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

The Bank of America XXXX XXXX credit card lets you set up automatic payment for your credit card. They offer three options without explaining what exactly they do : Pay Minimum amount due, Pay the Amount due or Statement Balance. ( XXXX while listing 4 options explains each right next to the option, boa does not ) I understood the amount due to be the amount to pay the credit card bill each month ( and not get interest charges ), but apparently that was the statement balance. 

When I called to complain, I was told that the " amount due '' option was the minimum payment. It's lame to not explain that choosing an option will result in interest charges, especially when it says " the amount due ''. Secondly, why offer to different forms of minimum payment?!?!?! 

I have closed my credit card because I will not use Bank of America for these deceptive practices. 

To be clear, on my XXXX XXXX Credit Card there are three options : Minimum payment due, last statement balance in full or other amount ( you choose ). 

My XXXX Credit Card offers 4 options : minimum payment due, full statement balance, minimum payment + other amount, or other amount ( you specify ). 

Only Bank of America offers the weird " amount due '' option that results in interest charges and is actually just the minimum payment. It sounds like this is in keeping with the " deceptive '' business practices in general.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

After filing and identity theft report with the FTC regarding attempt to gain credit access, accounts were not opened but inquiries were still placed. Sent XXXX, Equifax and XXXX Method of Verification Letters. Requesting who, when, documentary evidence, and title of the alleged creditor, they conducted an investigation with since they claimed accounts were verified I have not received any evidence. inquiries and an account Santander account being disputed was just updated and verified again with no proof. 15 USC 1692j furnishing deceptive forms, when XXXX and Equifax mailed forms with claims that accounts were verified, they violated federal law. Federal law requires and investigation as conducting interviews not scanning through eoscar. I am a federally protected consumer and natural person and these credit agencies are civilly unwilling to comply 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everthing has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate as well. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602a, ( 4 ). States I have a right to privacy. 15 USC1681 section 604a section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. Also the Credit bureaus look more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against XXXX and XXXX XXXX XXXX and Equifax. XXXX and XXXX XXXX XXXX have erroneously reported a balance and past due amount on my credit report since XX/XX/XXXX. Furthermore when I filed a dispute with Equifax and provided proof of statements of charges, payments, and balances on XX/XX/XXXX, all Equifax did was allow XXXX and XXXX XXXX XXXX to claim that the information they reported to the credit bureau was correct and to re-post it onto my credit report again the very same day XX/XX/XXXX. In XX/XX/XXXX, I also wrote XXXX, called XXXX and spoke with a representative, and wrote XXXX XXXX XXXX which is a company that refuses to respond ( see for example https : //www.change.org/p/ny-state-attorney-general-letitia-james-stop-royal-property-management-from-stealing-security-deposits ). 

ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00} ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00}
Product: Debt collection

On XX/XX/2020 a collection account was placed on my Transunion, XXXX and XXXX  credit reports. I contacted all three credit bureaus for verification and also the collection agency XXXX XXXX XXXX XXXX XXXX about the debt, in return the collection agency sent a list of my medical procedures which they did not have permission to have, nor did they provide a HIPAA release form. Which was a violation of my HIPAA rights, I sent a second letter to the three credit bureaus and the debt collector to notify them of the HIPAA violation, and all three bureaus have past the FCRA 30 day window. Thank your time.
Product: Prepaid card

I purchased a {$500.00} gift card at XXXX VA. The transaction was approved and went through, but when I later tried to use the card, I found out the card was frozen. Someone had tried to use the card before I had bought it at the store. The {$500.00} was never loaded onto the card. I was asked to fax in information on XXXX XXXX, which I did. I was told someone would reach out to me, but nobody ever did. I finally called in and was told I needed to scan the receipt as well. I went ahead and did that. I 've called in every single day since, and they ca n't even confirm they 've received my fax. Still, nobody has reached out to me. It 's now past the 7-10 business days timeframe I was given. I just want a replacement {$500.00} gift card. I 've already had to pay the credit card charge and now I 'm in financial duress because of this company 's failure to respond in a timely manner to gift card fraud.
Product: Vehicle loan or lease

Back in XXXX or XXXX I was approved for an extension on my loan to bring my loan current. However, as of today the loan has still went through system updates. I have called several times over the last few weeks very XXXX and everyone says they see the extension and that they will escalate. However nothing has been completed. This has made my health go backwards. I deal with XXXX and XXXX. And I have been sick for the last weeks trying to deal with this stress.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$940.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX, XXXX. Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$22000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6600.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

I opened a account years ago to keep from seeing ads Google Pay got my charge card information and then the nightmare starts without my permission someone or something caused many charges probably several XXXX dollars a month. I didn't know it was happening because I have my wife whom should have been monitoring my charge card bill she wasn't reading all the charges and they made many charges from around {$5.00} up to {$19.00} and one rare {$99.00} purchase. These charges aren't mine I want my money refunded so I can pay my charge card but they are refusing to cooperate with me. I'm suppling some screen shots from my cell phone, there's already emails fishing me for my credit card information. The charges aren't my charges!