23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A judgment was granted against me for summary ejectment in magistrate court in XXXX XXXX, 2011 in XXXX County Courthouse, XXXX, NC under file # XXXX. I filed an appeal to District Ct. under file # XXXX the judge ordered that I pay {$340.00} which I had paid partially in an appeal bond of {$320.00}, I paid the remaining balance of {$17.00} after the hearing on XXXX XXXX, 2011. After the magistrate hearing XXXX the owner of the leasing company reported to the credit bureau the judgment and even though it was paid in full 4 years ago he refusing to allow the bureaus to remove or correct the judgment on my report. I have asked him to correct the report and I have filed several requests for investigation to Equifax. I have filed a civil action against XXXX because he will not allow the bureau to correct the information and tell the bureau that money is still owed even though the clerk of clerk has marked the judgment paid in full. The caption on the judgment is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is owned by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX I am the former spouse of a XXXX XXXX ( XXXX ) trying to re-establish my credit after the divorce to be able to support my kids and buy a home for them.
Product: Credit card or prepaid card

See attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX. UNAUTHORIZED TRANSACTIONS {$470.00}. ( USAA HAS HELD ME LIABLE FOR THIS FRAUD ) see attatched CFPB response XX/XX/XXXX XXXX XXXX determined you reported total fraud {$810.00}. WRONG AGAIN see attatched CREDIT CARD FRAUD CLAIM LETTER {$470.00} ** IS THE TOTAL FRAUD I REPORTED XXXX XXXX with MERCHANTS CREDITS OF {$340.00}. Only {$470.00} REPORTED?? SO WHY DID USAA HOLD ME LIABLE FOR THIS {$470.00}. see attatched XX/XX/XXXX statement for review CONFIRMS ONLY {$470.00} COULD HAVE BEEN REPORTED FRAUD. XXXX XXXX {$120.00} & XXXX {$210.00} MERCHANTS CREDITED. AGAIN WHY WAS I HELD LIABLE FOR THIS FRAUD OF XX/XX/XXXX {$470.00}???
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 assistance and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) PRIMARILY FAILED to take the time to promptly and effective measures to prevent or address fraud on their platform, Leave my account open and vulnerable to any and everyone unprotected. More their dispute and resolution process has been completely unfair and deceptive as they did not comply with error resolution Requirements under the electronic Fund transfer act ( EFTA ) and Regulation.E of these actions has caused a complete inconvenience and Financial loss and I seek Appropriate Compensation of these Violations
Product: Credit card or prepaid card

I purchased a {$15.00} XXXX gift card that their system says was loaded to another users account. When I called XXXX they told me that a XXXX had loaded my funds from a card with the number of the one I have into his account. I do not know anyone named XXXX. They also had the nerve to tell me and insist that someone else in my household is responsible and used my card for their account! I have an original proof of purchase load receipt for the card and I am in physical possession of the card! I am the only one with access and the card was in a storage unit for which I am the only one who has access. I have contacted XXXX XXXX XXXX and XXXX multiple times and they insist on telling me that I know a XXXX who lives in my household or that someone else in my household accessed my card and stole my funds! Ive complained at least twice to the XXXX XXXX XXXX and XXXX has ignored every probe and inquiry! Extremely unprofessional and cold! The gift card had been stored after being purchased a couple of years ago and I tried to use it on XX/XX/2020 to buy food through their XXXX Eats program. I am disgusted by this and believe that it is grossly unfair! 
XXXX XXXX XXXX is the company that creates and loads the gift cards and is the entity who is the ultimate holder of funds on the cards that they manufacture!
Product: Credit reporting or other personal consumer reports

After the pandemic, banks, and the main mortgage guarantors meaning FHA, RDA, the VA, as well as government mortgage companies XXXX XXXX and XXXX XXXX granted grace periods or offered mortgage relief options through my mortgage loan servicer in my state to their customers affected by XXXXOVID-19.

I reviewed my consumer report and noticed that I had 3 late payments on a mortgage account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report accurately.

Please investigate and provide proof with statements showing that these payments were late. If proof cant I demand these payments be updated to on time as they should be as I was never late. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. Apparently, a company called Midland Credit Management served papers for a wage garnishment in the amount of {$1200.00}. They served it to the company 's Board of Directors in XXXX, XXXX via email ( XXXX ). I am in XXXX. Attached was a court order that has never been seen by me and the signature on it is unrecognizable to have accepted the order. I had my identity stolen in XXXX and have been fighting issues like this ever since. The Board of Directors in XXXX  sent the paper to my company CFO ( XXXX ), also located in XXXX. No prior order was served in XXXX. The information on the order is stating the city I currently live in within TN. The Notary signature is in XXXX, XXXX. When I called the company after having received the order, I spoke to a man who was extremely rude, when I asked his name, it was still unclear, When I started asking Questions regarding the charges, he gave me a different dollar amount to be paid and spoke with a very strong XXXX  accent almost not understandable. He continued to tell me that I could pay him {$1100.00} or I can just let the garnishment take the amount he stated prior. When I pointed out that the amount was different on the paperwork I had, he stated I would need to pay the interest. Really? The delivering company was called XXXX. out of XXXX. ( Fraud? sounding more and more like it ). 
Either way I would like for Midland Credit to stop this process and to stop harassing me. I have explained the identity theft and the information they are using for this pursuit is not true information. I have asked for proof ( exact ID 's, Social Security Card ( actual used ) and signature. In speaking to this man and I asked him information used to obtain this card, he gave me an address that I have not lived at in 9 years.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue with the reporting of a self-account on my credit score. The account in question is inaccurately reporting late payments, which has adversely affected my credit rating. 
Under the provisions of the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ) and specifically under 15 USC 1666b, I am entitled to dispute and correct any inaccuracies in the reporting of my credit information. The self-account in question has been erroneously marked as late, despite my adherence to payment schedules and financial obligations. 

Here are the details of the accounts in question : - Name of Creditor : XXXX XXXX XXXX XXXX  - Account Number : XXXX - Description of Issue : The account is showing late payments for XX/XX/year> I have taken the following steps to address this issue : - Contacted the creditor directly to request a correction. 
Despite these efforts, the inaccurate reporting persists, and I believe this is a violation of my rights under the aforementioned statute. This incorrect reporting has had a significant negative impact on my credit score and financial well-being. 

Therefore, I am requesting the following actions to be taken : 1. Conduct a thorough investigation into the reporting practices of.

2. Correct the inaccurate information on my credit report to reflect the true and accurate payment history.

3. Provide me with a written explanation of the findings and actions taken to rectify this issue.
Product: Credit card

I made an online purchase XX/XX/XXXX and XX/XX/XXXX with my Macy 's American Express Card. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases, believing they had been automatically deducted from my checking account. I received a call from a credit agency on XX/XX/XXXX linked to Macy 's. I called Macy 's directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements so no paper statement was sent. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full, I immediately made sure I was enrolled in autopay to avoid future problems. I have come to find out they negatively reported ( account closed for non-payment ) to the XXXX major credit bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XX/XX/XXXX and XX/XX/XXXX stating they would still be taking the original {$250.00} balance from my autopay. 
This is deceptive. For nearly six ( 6 ) months, they did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me without notice, and did so BEFORE sending to collections and being given an opportunity to correct the situation. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee on XX/XX/XXXX and an interest fee on XX/XX/XXXX which were deducted from my autopay. When I called back they agreed to return XXXX {$19.00} late fees and the interest fee. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
Their practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper, electronic, or telephone notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to ever mentioned that my account was closed. 
I take great steps to maintain an excellent credit rating, and find it unfair and deceptive that they would wait nearly six months to be contacted by collections, and do so after already closing my account and notifying the credit bureaus without advising me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Open Date : XX/XX/XXXX TransUnion claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by TransUnion on XX/XX/XXXX XXXX ( proof of service attached ). TransUnion had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my request in violation of my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent payment history. I would like the account to be removed from my credit report immediately. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account as an individual charge-off. According to the FCRA, I would like the account to be removed from my credit report immediately.
Product: Credit card

Was subject to credit card fraud. BankAmerica closed the account and sent out a card for a new account. The new card was sent to someone else at a different address. Then they were supposed to send it to me at my office. Again they sent it to the wrong address. At no time was a signature required. I paid the balance ( not including the disputed amount ) in full on time. They could n't manage to post that to the new account. But they had no trouble moving over the balances owed. When this was brought to their attention, they agreed they got the payment and would move it over. But they would not issue a corrected statement to me. Claimed they could n't. And if they could they could n't email or fax it to me. Prior to BankAmerica buying XXXX it was able to do these sorts of things. After being put on hold for 30 minutes XXXX different times, I finally spoke to XXXX XXXX who claims she is the head of their service center and she reports to no XXXX outside of the chief corporate officers of BankAmerica. She again refused to send me a corrected statement showing the payments I had made. To say the least I will be closing my BankAmerica credit card and will find XXXX that has no connection whatsoever with BankAmerica. Not that I expect customer service anywhere else to be any better. Are n't we glad all of these banks are too big to fail.
Product: Credit reporting or other personal consumer reports

Ive contact EXPERIAN via certified mail, the dispute center and the problems are still not being solved. 

UNAUTHORIZED CREDIT INQUIRIES I noticed that 4 of them were done repeatedly. 

Violation of 15 U.S. Code 1611, 15 U.S. Code 1681 15 U.S. Code 1692K XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a fraudulent account showing on my equifax report from a XXXX XXXX XXXX XXXX. I have never had any account from this company and I have tried working with equifax during the spring of 2018 to get this account cleared to correct my report. This account does not show on any other report of mine besides Equifax. I need this corrected, it is effecting me negatively and i have had issues being able to secure anything that requires my credit. There should not be any first financial account showing on my report because again this is not an account of mine and i did not open any accounts with this company ever.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian Information Solutions , Inc. regarding the inaccurate reporting of a hard credit inquiry on my credit report. Despite multiple attempts to resolve this issue directly with Experian, the erroneous information remains uncorrected, adversely affecting my creditworthiness. 

On XX/XX/XXXX, I discovered a hard credit inquiry listed on my Experian credit report that I did not authorize. This unauthorized inquiry has negatively impacted my credit score. 

I contacted Experian on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this unauthorized inquiry. Despite providing all necessary documentation, Experian failed to conduct a proper investigation and did not remove the inaccurate inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX sent me a letter to confirm that they had closed the following accounts : # XXXX ( 3 ) accounts. 
Equifax continues to list these inaccurate and unverified accounts on my report.I have read the FCRA.This collection account should be deleted from my file immediately as it is severely harming my ability to obtain credit. 
XX/XX/XXXX They completed an investigation.
Product: Credit reporting or other personal consumer reports

Regarding XXXX XXXX XXXX and Experian. The former reported to experian an unpaid loan for a XXXXXXXX XXXX XXXX that has not adequately functioned. The company was well aware that XXXX was deceitful and fraudulent, as identified publicly by no less then 8 state attorneys yet offered no actual assistance. When this became public knowledge I finally stopped paying for this fraud, and they reported to Experian. I brought these matters to Experians attention, including that Im signing up for one of the class action lawsuits ongoing against XXXX and its financing companies that have been called out yet none of it was taken into consideration.
Product: Credit card or prepaid card

To whom it is concerned : To say I am vexed with Bank of America is an understatement! I have been a credit card holder with Bank of America for a couple of years now, never once have I been 30 days late on any of my cards that I hold with them. I purchased something with one of my cards in XXXX of 2023 due to rising inflation Ive been making my minimum payments due on time every month, XX/XX/2023 I made a payment of XXXX I was in the process of applying for a mortgage loan recently only to review my credit cards and notice that Bank of America thought it would be okay to lower my available credit limit from XXXX dollars to XXXX dollars, after bringing it to there attention I was told that it was because of my credit score, and Delinquent account. As stated above I have never been late on any of my credit cards and I have had a XXXX or more credit score for more than a year. Bank of America has deliberately reduced my credit limit causing my credit score to drop some XXXX points then when asked to setback my previous credit limit Im being pushed into a credit audit to see if I qualify for the credit limit that I was already approved for to begin with. Now Im being told they would have to do a credit pull to see if I qualify for a credit increase! This is clearly predatory behavior on Bank of Americas part this has put tremendous stress on me and my family due to the fact that I may have missed an opportunity to acquire a property that was soon to under contract. Bank of America has also not acted in good faith towards its consumer I would like for them to be held accountable for their actions.
Product: Credit reporting or other personal consumer reports

RE : Credit Report Dispute Dear Sir/Madam , I am writing to formally dispute inaccuracies in my credit report that I have identified. These errors are having a detrimental effect on my credit score and my ability to secure financial products at reasonable rates. 

Incorrect Account Status : Account Name : XXXX Account Number : XXXX Issue : The account is reported as " XXXXXXXX XXXX XXXX XXXX XXXX. '' However, this account was settled and closed before any bankruptcy filed. This misreporting is incorrectly portraying my credit obligations and resolution. 
Discrepancy in Payment History : Account Name : XXXX Account XXXX : XXXX Issue : The payment status shows as closed but fails to reflect the account was purchased by another lender, XXXX XXXX, and remains active under their management. This omission is misleading and affects the evaluation of my active credit. 
Outdated Information : Public Record : XXXX XXXX XXXX Filed On : XX/XX/year> Issue : As per the federal guidelines, this record should have been updated to reflect the current status post-discharge as of XX/XX/year>. Continued listing without updates misrepresents my current financial standing. 
These inaccuracies are causing significant harm to my financial reputation and are not representative of my actual credit history or my current financial situation. I request a thorough investigation into these discrepancies and that they be corrected at the earliest. 

Attached are copies of documents supporting my claims for your review. Please update your records accordingly and send me a corrected copy of my credit report. 

Thank you for your attention to this matter. I expect a response within the statutory timeframe. 

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

I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Reason : As outlined in 15 USC 1611, XXXX, XXXX, and Equifax are in violation of federal statutes, including the unlawful reporting of alleged debts. These actions constitute a violation under 15 USC 1640, making them liable for twice the amount of any finance charge. Additionally, they are accountable for breaches under the FDCPA, specifically 15 USC 1692k. I am formally requesting the immediate removal of this alleged obligation from my consumer credit reports and seek compensation for these violations. The reporting of an alleged debt on a credit report is in direct violation of 15 USC 1692b ( 2 ). Such actions also amount to advertising specific payments, which is prohibited.

I hereby demand that these entries be expunged from my credit file immediately as they infringe upon my rights as a consumer protected under federal law, specifically Title 15, Section 41. Regarding the accounts in question, I am requesting their complete removal. 

Copies of this communication will be sent to the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX State Senators, the FDIC, the Comptroller of the Currency, the Federal Reserve System, and other relevant regulatory bodies, including the Federal Trade Commission and state-level authorities.
Product: Credit reporting or other personal consumer reports

These accounts are erroneously being reported as late payments on my credit report, even though I have consistently been a responsible and long-standing customer with a history of on-time payments.