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

This company continues to report inaccurate information to the three credit Bureaus and are reaging accounts. It is against the reporting requirements of the FCRA, Section 623. I have disputed this information several times, contacted the headquarters and requested the this information be corrected and deleted from my credit file, yet they refuse. After further research, I have questioned the validity of this account and all the inaccuracies in reporting. I have attached copies of my credit report that show the following inaccuracies : -On XXXX  there is no account number, no payment history, no original creditor info, just a balance of {$170.00} -States Delinquency first reported as XX/XX/2018. Account was reaged as this has been on my report for years -Reported as open on XXXX , closed on XXXX  . 

In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements plus the IP address if it was online, and total outstanding balance you believe I owe or remove this account from my reports. My next steps will be a complaint to the Attorney General as well as my lawyer as this has affected my score for some time.
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 an open end consumer credit plan as late for purpose.

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

I contacted equifax about several facts on my equifax credit profile. 

My date of birth was listed as XX/XX/XXXX my birthday is in fact XX/XX/XXXX I sent a copy of my drivers license. 

Also they had listed as addresses I've never lived at. I asked that they all be removed and they haven't been. 

I had many credit inquiries that I tried to tell them weren't mine, they refused to investigate them. I wrote them a letter and in the letter asked for a return letter. They never opened a dispute and my information is not updated. When I call in they refuse to make an investigation. I was also a victim of their information breach. They refuse to abide by the law and I had no choice but to take this action I have dozens of hours invested in this endeavor. And I just am at my wits end, they are damaging my credit profile by refusing to do what's necccesary, they rush me off the phone after I wait for hours to speak to representatives. 


XXXX XXXX.
Product: Debt collection

My aunt took out a utility contract with my name and social without my permission. I was a college student in Ohio at the time these charges were accrued, and had no knowledge of it until I started receiving collections bills at my Ohio address. I have proof of my address and the collections bills that were mailed to me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

ccount name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXX XXXX XXXX XXXX  {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block Inc ) for 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 process was unfair and deceptive as they do not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX FL XXXX ] [ XX/XX/XXXX ] Re : Request for Information Regarding Charge-Off Account Account Number : XXXX Dear [ XXXX ], I am writing to request additional information about the charge-off account listed on my credit report with the account number XXXX. I am not disputing the account ; however, I would like to request the following specific details : The date of first delinquency associated with this account. 
The date of the last payment made on this account. 
The date of the charge-off designation for this account. 
This information is critical for my records and to ensure the accuracy of my credit file. I kindly request that you provide this information as soon as possible, in compliance with the Fair Credit Reporting Act ( FCRA ). 
If this information can not be provided or if inaccuracies are found in the reporting of this account, I respectfully request that the appropriate corrections be made to my credit report. 
Thank you for your assistance. Please send your response to the address listed above. I look forward to receiving the requested details at your earliest convenience. 
Sincerely, [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown and unauthorized credit inquiries are showing on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I work all my life trying to do the best I can but still ca n't get ahead because credit problem
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX - XXXX
Product: Credit card

PAYMENT ALLOCATION VIOLATION : I spoke with XXXX USAA representatives yesterday and sent them a message about my credit card payments not being applied in accordance with USAA 's credit card agreement nor by the Credit Card Act of 2009 which requires payments above the minimum payment to be applied to the balance with the highest interest rate/APR until the payment/balance is exhausted. I got XXXX separate answers from the representatives, XXXX in violation.
Product: Mortgage

A payoff was sent to TD BANK for XXXX XX/XX/XXXX and I confirmed that they have the funds to pay off the mortgage since XX/XX/XXXX and as of today XX/XX/XXXX it is still showing not paid. They say they are going to credit the payment every time I call. I do not want them to report a late pymt and I want them to credit the payment as of the day they received it ... XX/XX/XXXX. I've had to put in several complaints about TD BANK in reference to the servicing and I will be happy when this is paid off.
Product: Credit card

I settled a debt with Citicard previously with a 3rd party debt collector on behalf of Citicard and then instead of closing the debt they sent the remaining balance from the original amount to another debt collector who reported to the credit bureaus that the debt was a new debt. It is my understanding Citicard was under litigation for such practices and I was to report it immediately. I have a settlement letter from the first debt collection agency stating that I settled the amount. My credit was affected by this and I am extremely unhappy and would like Citicard to erase this issue from my credit report completely.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2018 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

All accounts were removed except " DISCOVER FIN SVCS LLC '' in the amount of {$1500.00}. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. 

I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from my credit report.
Product: Student loan

I have been trying to get Navient to right their wrongs for years. Despite my trying to dispute the legitimacy of these loan for years, I decided to pay them off and fight it on the back end. Yet, Navient STILL continues to fraudulently report my loans to the credit bureau. On XX/XX/XXXX, I requested ( and was approved ) for a forbearance on loan " 3  ''. Then again on XX/XX/XXXX, I initially 2 payments to PAY OFF loans " 1 and 2 ''. On XX/XX/XXXX, I checked my credit report and it something to the effect of " between XX/XX/XXXX and XX/XX/XXXX, consumer missed 2 payment ( failed to pay off loan ) and is 120 days late '' and " Between XX/XX/XXXX and XX/XX/XXXX consumer filed dispute ''. BOTH statements are bold face lies and I paid OFF two loans and got a forbearance on the third, yet paid interest on this one ( during the forbearance period ). Navient continues this fraudulent practice of erroneously reporting negative statuses to credit agencies and nothing is being done.
Product: Debt collection

We are being harassed and threatened by American Express regarding a Amex Everyday charge card ending in XXXX. I have been repeatedly contacted on several occasions by XXXX XXXX! He has called relatives discussing my debt which is being paid based on the last statement received by American Express based on minimum amount due on the statement. He started utilizing harassing and discriminatory tactics XXXX/XXXXXXXX XXXX and I very distraught regarding these illegal tactics. I have also communicated with American Express with a written letter in XXXX XXXX stating that my family has been experiencing extenuating financial and medical circumstances when my sister was hospitalized for 34 days in ICU and recovering from a major medical condition and stated the amount we could pay. My mom is the assigned manager on my account and has communicated this to American Express as well. This was placed on the application and set-up online in XXXX. If they have deleted anything in their system, it was very unethical when they know I set this up for her to manage. She was also recently contacted again by XXXX XXXX on last week after she told him that the bill was paid based attached statement received from American Express display minimum amount due and she requested that he not contact her again or 3rd parties regarding my account. They contacted 3rd parties on 3-4 different times over the last month. The 3rd party relatives had also requested that they stop contacting them as well but they still wrongfully persisted!
My family is going through a difficult time right now and are trying to do our best with keeping up with payments and request that XXXX XXXX or any other collection Representative cease in your illegal and discriminatory tactics against me, as I have paid the minimum amount reflected on the latest attached statement for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment is showing late on XXXX XXXX by mistake. I would like a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian for my XXXX XXXX XXXX XXXX  account ( late XX/XX/2022 ). During the dispute investigation, the creditor was not honest and decided not to change or correct my account balance to reflect paid in full. Because, my account balance was Paid In Full before and during the dispute investigation. After reviewing the Experian dispute results dated XX/XX/2022, I called the creditor and they refused to accurately update my credit report. And the creditor rep told me to contact Experian to clear this matter up. So, I immediately called Experian and they said ; I can try to upload documentation proof for the dispute or mail the proof to their XXXX XXXX XXXX which would take several weeks to process ). I tried uploading the documentation and it was not accepting my numerous submissions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Inquiry date XX/XX/2023 2023
Product: Debt collection

On XX/XX/XXXX I received a credit report with a debt in Collection from the XXXX XXXX XXXX Company collected by RADIUS GLOBAL SOLUTIONS with a balance of XXXX dollars, which I do not recognize nor have I ever had any connection as a client. I never received a notification by mail or by phone, affecting my credit with XXXX remaining points. I have tried to be a better XXXX  every day by taking care of my personal credit. I hope that all of this can be resolved.
Product: Credit card or prepaid card

Around XX/XX/2021 I received a call from XXXX Gap Inc credit card services. 
I talked to the representative and she did not know why they were calling me because I have a XXXX balance. Since that date I have received calls twice a day from that telephone number I have called Gap about 6 times telling them to put me on the do not call list but I still receives calls from them
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never a charge off, I never made a late payment on the accounts ever. 120 days late on succeeding succeeding months, with different balances? How is this even possible? Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I tried calling them they were willing to make the changes but only if I reported with XXXX and when they still didnt change it. Either XXXX is not updated their information or someone is lying to me. In the picture I attached is proof that me being late in XXXX made no sense. Please remove or correct it.
Product: Consumer Loan

I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES
Product: Consumer Loan

Sierra auto charges their customers over {$100.00} a month if they are over 10 days late ( contrary to how their contract reads ). Their payment system processes their payments as cash. Most major credit cards have a cash limit that does not meet the price of the monthly payment. By having this in place and not working with their clients to change their due date, Sierra is forcing people to pay way more than originally agreed upon. I am over XXXX into a XXXX loan that has an additional XXXX in financing charges. My payoff is close to XXXX and a supervisor has not called me back in three months to give a decent resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX student loans reporting On XXXX and Experian fraudulently and I need them taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are 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 after I sent the letters. 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Money transfers

I have banked with Regions bank several times in the past, most recently from XX/XX/XXXX to XX/XX/XXXX, a which time I had both checking and savings accounts, business checking and savings accounts and a personal line of credit of {$2500.00}. In XX/XX/XXXX payment on my line of credit was coming due and I transferred more than {$2400.00} from my checking account to make the payment. The next day I transferred a similar amount from the line of credit back into my checking account in order to pay other bills. Shortly thereafter I noticed that Regions had added the original payment amount ( made to my line of credit ) back into my checking account and debited my line of credit the same amount, while at the same time reversing the payment I had made to it. This increased my line of credit debt to twice its original amount. A series of penalty fees then charged to me on both my checking account an line of credit. Because I had a similar experience in early XX/XX/XXXX, where transactions recorded on my online accounts mysteriously disappeared from those accounts and I had not printed out the transaction results to verify them, this time in XX/XX/XXXX I did print out verification. I have tried to negotiate with Regions on multiple occasions without success. I asked them to simply remove the penalty fees from my accounts and I would pay off the total balance on my line of credit in XXXX or fewer months. They refused. I then threatened them with closing all my accounts and not paying the line of credit unless they removed the unfair fees and allowed me to payoff the true amount owed on my line of credit ( somewhat less than {$5000.00} ). Again they refused. 

I researched complaints against Regions at that time in XX/XX/XXXX, and found the vast majority of those to be about all of the " unfair '' late fees, NSF and OD fees Regions levies on their customers. At this time, in my latest attempt to resolve the issue with Regions, I noted the consent order by the XXXX resulting in a {$7.00} XXXX fine against them, as well as a payout of over {$50.00} XXXX back to their customers. I explained to Regions that I would file this complaint if they were not ready to resolve the issue and again they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has stopped me from using the Visa but continue to charge me interest and report negatively to my credit bureaus
Product: Debt collection

On XXXX the XXXX XXXX, I received the attached letter demanding money. The demand letter was from Radius Global Solutions LLC. The demand letter was requesting XXXX which is incorrect, and I dispute it in its entirety. The demand letter states that it is for an account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX The person who received service from them according to the demand letter is XXXX XXXX whom I'm not familiar with. This letter demanding money does not belong to me, it is bogus and is fraudulent because, I do not know the person ( XXXX XXXX ) who received service from them on XX/XX/XXXX. In the interest of consumer focus, I am requesting that Radius Global Solutions LLC suspend their collection efforts and close their file. Furthermore, per their contractual requirements, I am also requesting that they close this account and return it to their client for further review. Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Minnesota. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Radius Global Solutions LLC Sincerely, XXXX XXXX