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

In XXXX, I started a dispute with Experian. I paid off a medical debt in full and submitted proof that it was paid. Instead of removing the medical debt, they verified the debt and updated info. This account should have been removed since it was paid in full. Due to their inaccurate reporting, this violates the FCRA and makes me eligible for {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inability to collect real time information by all of the three major credit bureaus and their farming that incorrect information to multiple third party credit reporting organizations creates adverse action severely holding us XXXX. Their lack of real time gathering was highlighted in the last complaint you did nothing about. As example report XXXX issued by Trans Union XX/XX/2012 still incorrect and they- even while acknowledging and promising to correct our negative information did nothing. Telephone numbers as the data outdated and not in service, one could go down the list but why bother? Then they have the gall to advise it will take months to update while one languishes. To repeat for these who have trouble comprehending- Yesterdays complaint further proof of the inaccuracy of reporting and their distribution of such to third party entities who provide that outdated and incorrect information continues to hold us financially XXXX and unable to do anything where finances are involved. Opinion- for one to actually think you or they would do anything to improve integrity naive. Of course this is NEW and yes pass it becuase frankly you do nothing about the multiple earlier complaints!
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an alleged medical collection on my report that is less than {$500.00}. under your company anything less than {$500.00} can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.
Product: Money transfer, virtual currency, or money service

I had a few unauthorized charges and when I contacted cashapp about it they did not give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystem- I am a victim of identity theft, and request that you remove the information listed inside the ID Theft Report or proper legal action will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XXXX of 2018 XXXX went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now XXXX is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.
Product: Credit card or prepaid card

From XXXX XX/XX/XXXX to now, there were in total:XXXX earned Bilt points taken out of my Bilt Reward account ; here are the Bilt Credit Card transaction records relating to those missing points that were earned from eligible transactions : XXXX XXXX + XXXX points XXXX XXXX + XXXX points XXXX XXXX points XXXX XXXX + XXXX + XXXX points XXXX XXXX points XXXX XXXX points I reached out to customer service on day of XX/XX/XXXX to request the XXXX points back to my account. However, customer service representative rejected my request on day of XXXX and their reason is that : because I have not met minimum number of transactions requirement, the earned points are taken out of my account because of their program rules. 
However, there is no ground of their rejection has no ground : First, the terms and conditions of how Bilt rewards points can be earned were not adequately explained to the customer when the customer initially signed up for the Bilt Reward credit card. 

Second, on XX/XX/XXXX, there was a email sent from XXXX to me, with the subject : " An update on your Bilt Rewards Points Bank ''. This email clearly states that " were waiving the minimum transaction requirement '' because " We know it can take some time to get used to using Bilt ''. And more importantly, the email doesn't specify a date about which date is " when we transition back to our normal terms ''. And there has been no other communication neither until now about when Bilt reward transitions back to the " normal terms ''. 

Third, in addition to the fact that, the earned points from eligible transactions were taken out of my account due to an illegible reason - the minimum transaction requirement already has been waived by Bilt ( see Second ), Bilt reward also produces erroneous points statements. For example : XX/XX/XXXX XXXX points were earned from an XXXX purchase, but then were removed even though the minimum transaction requirement has been waived by Bilt. 

XX/XX/XXXX another XXXX points were removed from my account because of refund from XXXX produce return In total, I lost XXXX points just because I attempted to shop at XXXX ; there has been no correction or communication on the mistakes of points statement from Bilt reward program
Product: Credit reporting or other personal consumer reports

Equifax is continuing to report an account on my credit report that is due to identity theft and fraud. The FTC and bank has investigated and confirmed that it is fraudulent and the account doesn't belong to me. It should be removed. This is for the XXXX  XXXX XXXX credit account ending in XXXX.
Product: Money transfer, virtual currency, or money service

Cashapp refuses to refund a scammer who i sent money to who didnt perform job services!!
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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below accounts as I have outlined strategically, violated my consumer rights as protected by federal regulations, to privacy and confidentiality under 15 USC 1681. 

* ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX * ACCOUNT NAME : XXXX XXXX * ACCOUNT # : XXXX XXXX XXXX XXXX XXXX  * ACCOUNT NAME : XXXX XXXX XXXX * ACCOUNT # : XXXX XXXX XXXX  * ACCOUNT NAME : XXXX XXXX XXXX * ACCOUNT # : XXXX XXXX XXXX * ACCOUNT NAME : XXXX XXXX XXXX * ACCOUNT # : XXXX XXXX XXXX * ACCOUNT NAME : XXXX XXXX * ACCOUNT # : XXXX XXXX XXXX First of all, 15 USC 1681, section 602 A states : As consumer, I have the right to Privacy.

Secondly, 15 USC 1681, section 604 A, sub-section 2 states : A consumer reporting agency can not furnish an account of mine without my WRITTEN instructions.

Thirdly, 15 USC 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any o
f the following items of information, any other Adverse Item of Information, other than Records of Conviction of Crimes which antedates the report by more than 7 years More importantly, 15 USC 1681s-2 ( A ) ( 1 ) states : 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: Debt collection

EOS CCA is aggressively attempting to collect debt for XXXX XXXX for the collection balance that was resolved and paid to XXXX back in 2015. This account is not valid, null, and is in violation of FCRA and violation of statutes of limitations allowing collectors to report to CRAs. I contacted EOS CCA to inform that XXXX stated in wring this account was satisfied in full and they DON'T contract EOS as a collector for their company .... EOS CCA collected all my personal information and now aggressively attempting to collect on the debt NOT owed and on the debt they have NO LEGAL right to ... They changed open date on credit reports 3 times now this should also be violation of FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, NET CREDIT, has violated my rights. 
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 an account without my written instructions.

This account is a fraudulent account, I don't recognize this account and never applied for credit with this company.
Product: Credit reporting or other personal consumer reports

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

Great American Finance Company is horrible to say the least I have never missed a payment when I open the account and made all my payments up to date. I went online and made my payments always. In XXXX XXXX I notice the company report a 30 day late when I was not late, I called them to discuss the issue and they stated that its because I had not full paid my total due in XXXX XXXX, I then explained the issues and also stated that I was never informed that I had a late payment in XXXX XXXX, in which GAFCO stated that it was a late fee that just kept on adding up. I explained that was very deceptive and misleading and sent several letters to the Manager and still no response not even a call back. I spoke with a Customer Service Representative who stated that she would look into the matter and correct the late payment. GAFCO never corrected the late payment then in error they placed another late payment for the month of XXXX XXXX in which again I called to dispute the matter and even stated that how could I be late when I paid up to 3 months in advance in XXXX XXXX. I was very frustrated after that and got the Attorney General involved and now they continue to report " Account Charge off '' on my credit bureaus for the last 6 months. The same account they have reported as a " charge off " for the last 6 months, which puts a negative hit on my CRA just to lower my scores. Great American Finance Company has continued to the FDCPA 807. False or misleading representations. As they continue to violated federal law, by not False and misleading information provided to the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Debt collection

Penn Credit Corp showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Again, thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. According to Section 605b of the FCRA, you are legally required to remove items that are found to be erroneous. The disputed items do not belong to me, and I am attaching the necessary FTC Report with reference # XXXX : Original Creditor : XXXX  XXXX Balance Owed : {$190.00} ; Original Creditor : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/year>. Please remove these items. If there is any indication that these items may belong to me, I request all documentation bearing my signature for verification. It is your responsibility to ensure that all items are true, accurate, correct, complete, and verifiable. If you can not provide such records and still claim the items are verified, I will pursue legal action. My attorney and I are serious about this matter, and we expect full compliance with the law to resolve this issue promptly. Remove the disputed items as they were opened without my consent or knowledge, as required by Section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have a PayPal account. Evidently I signed up with something called XXXX on my XXXX and a year later XXXX  billed my PayPal account for {$110.00} But there wasn't {$110.00} in the bank debit account tied to the PayPal account so the charge failed, because I've ordered my bank debit account to not pay any overdrafts. I prefer this arrangement with my bank to protect myself from false charges. Now PayPal is hassling me to pay them back but I have no credit arrangement with PayPal and do not recognize their right to loan me money without my consent. 20 years I've had a PayPal account but there's never been an overdraft before, this has never come up. I was unaware there was a charge associated with XXXX I thought it was a one-time app charge as is common in today 's internet. I've tried to complain to PayPal but I can not find the complaint button on their website, tho a XXXX search said it should be there. I suppose I should simply pay the XXXX invoice but it's been satisfied by PayPal. I'm willing to pay PayPal but only on the condition that they immediately close my account and issue no more charges against me. 
I have not been able to submit this complaint to PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advise by Transunion, XXXX that my 2017 Bankruptcy was given to them by a third party that was furnished by the court. I contacted the court by mail and the court stated that they DO NOT give out personal information I submitted the needed documentation to the credit bureau to remove this item from my credit profile and this still has not happened.

15 usc 1681 section 602 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
Product: Credit reporting or other personal consumer reports

Company ( CAPITAL ONE ) Account # XXXX XXXX CAPITAL ONE XXXX, VA XXXX Telephone XXXX ) XXXX I am writing to dispute the presence of charge off of {$680.00} on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, I have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately.

The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated.

Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy.

Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute. Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. 

In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

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

I am writing to dispute a late payment listed on my credit report, which I believe is inaccurate and incomplete. The payment in question was made on XX/XX/year> for Amex but was reported as late. 

Under the Fair Credit Reporting Act ( 15 USC 6801 ), credit reporting agencies are required to ensure the accuracy and completeness of consumer credit information. I believe this requirement has not been met in my case, as the payment was made on time and in full. 

I request that you investigate this matter and correct my credit report to reflect the accurate payment history. Please provide written confirmation of the correction within 30 days. 

If you need additional information or documentation, please let me know. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I asked for help from PHH I applied for a modification I was turned down. 
I asked for a repayment plan. I was given one and told about it 10 days or so before it was due. I tried to male that payment on the website using the western union speed pay and I was blocked from using that. I was not given any instructions on how to pay that payment. Just that there was no grace period. 
They then closed the arrangement. 
I wrote asking for it to be re-opened they claim that they did which I never got an email from them saying that they did. They say they did. 
But if I asked for the arrangement to be reopened because I want to save my home then why would I not pay it? 
I asked for it to be reopened they have not replied. 
I asked for my mortgage to be looked at as Ocwen has many lawsuits and They claim they looked at it and that Ocwen did nothing wrong. But my mortgage was {$43000.00} and now it's over 75,000 Can someone help me?
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I sent letters to my creditors requesting a 1099c due to their accounts reporting on my credit report as charge-offs. In XXXX of XXXX I sent another round of letters requesting the same and I have gotten no response. These accounts were charged off in XXXX of XXXX they have had almost XXXX years to send the 1099c. As well as my requests in XXXX of XXXX and XXXX of XXXX.The creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

They are all reporting as charge -offs and I have not received a 1099c. After trying on my own, I am requesting that these charge offs be removed from my credit report. This is unfair reporting. 

Sincerely,
Product: Debt collection

Over the last 3 years SWC Group has made several unauthorized charges to our XXXX XXXX card small business card. The company name is XXXX  XXXX. We never supplied them with the card number nor did we authorize any of the charges. We even cancelled the card twice and they still somehow are finding the new card number and charging us new amounts. I contacted them on each occasion and they claim they don't have a record of the charge or aren't sure why we were charged but the charge clearly came from them and has been verified by XXXX XXXX. The charges are overturned by XXXX XXXX eventually because they are clearly fraudulent but require us to get a new credit card number and creates unnecessary work. At this point they are just committing fraud and hoping we don't notice to challenge the charge. This has been going on across years with the following charges - XX/XX/XXXX - XXXX, XX/XX/XXXX - {$6.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$64.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other financial service

I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse
Product: Credit reporting or other personal consumer reports

I know that EXPERIAN has been sued for not properly investigating and for providing inaccurate information on the credit reports. This is another negligence of duties on the side of EXPERIAN for not properly doing the investigation and of reporting accurate information in the credit reports. This time EXPERIAN allowed these unauthorized inquiries to continue to report in my credit reports, which should be blocked and removed since I never give any permission that these companies will access my credit reports. I have included my FTC report to support this complaint with the FTC report number XXXX.
Product: Credit reporting

I have called Transunion and told them that my name was spelled incorrect. And the information attached to it was incorrect and they informed me that they can not and will not help me.