23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have already contacted the companies involved and Square Inc. refuses to provide any support. All of the other companies have been very forthcoming and helpful. 

On XX/XX/2021 at XXXX a charge posted to my XXXX credit card ending in XXXX in the amount of {$4900.00} from XXXX XXXX XXXX via XXXX ( Square Inc. ) On XX/XX/2021 at XXXX I spoke with the accounting department for XXXX XXXX XXXX in XXXX XXXX, Florida. They not have a charge in that amount on that day. They also do not use Square. 

On XX/XX/2021 at XXXX Square responded they would investigate the issue. 

On XX/XX/2021 at XXXX Square instructed me to contact local law enforcement. Square did NOT provide any of the transaction information I requested.

To date Square refuses to provide any transaction information or accept responsibility for not doing their due diligence. The transaction was completed using false information that square freely accepted as fact. 

I have plenty of supportive documentation to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned about the new law allowing free freezing of credit file with Equifax, XXXX, and XXXX. I applied online and froze my report with XXXX   and XXXX with no issue. However, I was not able to do so with Equifax. Neither the online system nor the automated telephone system allowed me to proceed after I entered the required information - the SSN and residence address. No human support is available on a weekend, only the aforementioned automated system. I will be calling them again on Monday.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX Acct # XXXX
Product: Checking or savings account

I opened an account back in XX/XX/2019. I signed up for a promotion and was advised that after 5 months I would receive {$100.00} if I referred someone. I referred my Uncle who shares the same last name as me. I never received the referral bonus and I filed a complaint and they advised me that the local bank did not code my account correctly in order to get the bonus. The local bank advised that they are still working on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX  XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 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 I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$550.00}, XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXXXXXX Inquired on XX/XX/2021 XXXX
Product: Checking or savings account

While I was incarcerated funds were transferred out of my account and they denied my claim requesting they be returned. The money was my XXXX school money for my text books.
Product: Debt collection

Each bureau reports that I was late on a different date remove from inaccuracy.
Product: Debt collection

I had deputed this account over twenty times and now I trying to get information on the account that this company state is valid no one can show the paperwork on the account. I called now and they company has my number in the system to hang up after I put in my ssn. As of XX/XX/XXXX, the deputed came back in a day with the same information with a dierent date of opened. 
XX/XX/2024 Your Account Dispute has been updated. 
The incorrect account with XXXX XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/XXXX  Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX  What now? 

We'll notify you when all of your pending disputes are complete and the results are ready. To see your most recent updates, please check your updated credit report. 


See credit report
Product: Credit card

I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a phone through XXXX XXXX Phone was paid off in 2020, was still being billed for the insurance on the phone after the phone was paid off. Have tried to resolve this by phone, email and regular mail with XXXXXXXX XXXX Transunion, XXXX, and XXXX. I have a XXXX balance, never owed this insurance and would like it removed from my credit report.
Product: Checking or savings account

My direct deposit from my employer was not released. When I called Capital One they said the problem is being worked on. My pay deposit should have been released yesterday, XX/XX/year>25. As of today, XX/XX/year>25 my money is not available. As a person that lives pay check to pay check I have bills that are scheduled to be withdrawn today and I fear I will accumulate fees due to my earned funds not being available.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that TRANSUNION block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent accounts and inquiries include : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
2. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXX XXXX Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the FCRA/FDCPA by providing inaccurate information. 
3. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXX Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the XXXX by providing inaccurate information. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer XXXX credit report. 
As proof, I have attached my FTC Identity Theft Report. I expect XXXX to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : XXXX XXXX XXXX   XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; 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, XXXXXXXX, XXXX XXXX , XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Equifax for the account XXXX with XXXXXXXX XXXX XXXXXXXX. Despite sending previous requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit.

Discrepancies in Payment Reporting For the account with XXXX XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly reflects a 30-day late payment in XX/XX/XXXX, a 60-day late payment in XX/XX/XXXX, and a 90-day late payment in XX/XX/XXXX. These are inaccurate since the payments were made on time, and the account was fully managed through autopay. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
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 U.S. Code 1666b - Timing of payments I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Accounts XXXX XXXX XXXX  a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

For the past XXXX months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much XXXX in life already and these inaccuracies are adding up to that- worsening my XXXX health.
Product: Debt collection

I received a letter in the mail on XX/XX/2019 from Receivable Solutions , Inc. stating that I owe an amount of {$3100.00}. In that letter it stated that the debt is assumed valid by the collector unless I dispute it within 30 days of receiving the letter. On XX/XX/2019, I wrote and sent a validation of debt letter to them. In that letter I asked them provide me with competent evidence that I have any legal obligation to pay them and to provide me with the following : 1. An explanation of what the amount owed is for and how it was incurred.

2. An explanation of how this amount was calculated.

3. Copies of any documents that show I agreed to pay this amount.

4. A verification or copy of any judgment if applicable.

5. An identification of the original creditor.

6. Proof that the Statute of Limitations has not expired on the account.

7. Proof that you are licensed to collect in my state.

8. Provide me your license numbers and Registered Agent documentation. 

I also stated in the letter if their offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I sent the certified letter so I saw when they received it and I never received a response.
Product: Debt collection

I have contacted LVNV numerous times to resolve this issue of reporting an account that does not belong to me. 

My credit file contains {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, listed as an Original creditor. 
I have not done business with either account, to my knowledge. LVNV has refused to provide actual proof that this account belongs to me. I am requesting a signed contract to verify I owe this debt. 

This erroneous data continues to tarnish my credit and violate the FCRA. A debt collector that has allegedly infringed a consumers rights under the Fair Debt Collection Practices Act ( FDCPA ), can be sued by a consumer for statutory damages of up to {$1000.00} ; actual damages including, but not limited to, harm or loss that resulted from a debt collectors actions ; as well as the consumers attorneys fees and costs. I will exercise my rights if this is not resolved.
Product: Mortgage

XX/XX/XXXX Bank of America recorded a reconveyance on my property, in error, that has nothing to do with me or my property. I live in XXXX the reconveyance should have been recorded against a property XXXX. XXXX should have been done XXXX., XXXX XXXX I thought the problem was resolved sometime ago, however, when I refinanced my mortgage XX/XX/XXXX, this problem " popped up again. '' I have called, written, ed faxed and provided all kinds of documentation, but to no avail.I was give a case number # XXXX which I am told was closed due to lack of a Title search. There was a title search done during my refinance and the title company forward a letter explaining the problem ( see enclosed ). Apparently this letter was rejected or ignorned. I am unable to speak to anyone other than a " clerk '' who reads notes off of a computer file, which do not make sense to me.. XX/XX/XXXX I asked if someone could contact me and give me proper instruction and was told I would receive a call within 24-48 hours. As of this writing XX/XX/XXXX NO CALL. The number I provided is my cell phone which is on all hours that I am awake. No return calls, no voice mails, no e-mails. Typical for Bank of America. All I would like to do is to have the XXXX XXXX reconveyance voided or removed from my property. Do not want any problems if and when I decide to sell my home. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. The Late Payment Status is incorrect. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I used to have a WalMart store credit card, issued by Synchrony Bank. I closed that account XX/XX/XXXX and received a confirmation email. I noticed on my XXXX Credit Report ( XX/XX/XXXX ) that the account was reported closed by consumer, but did not see that Synchrony Bank checked my credit report on XX/XX/XXXX. When I checked my XXXX Credit Report on XX/XX/XXXX I noticed that up until XX/XX/XXXX they report the account as ok, and checked my credit report again on XX/XX/XXXX. On XX/XX/XXXX I mailed a written complaint to Synchrony Bank. The Bank responded on XX/XX/XXXX, but no result yet. On XX/XX/XXXX they have sent another letter, asking me for a copy of my credit report. I have mailed that specific page on XX/XX/XXXX. While I am waiting for their response I checked my Credit Report on XX/XX/XXXX and noticed that Sycnhrony Bank has checked my Credit Report again on XX/XX/XXXX, which is before I have sent my first written complaint to them. Therefore they have no legal right to check my Credit Report on the regular basis, or check it at all for that matter. I was willing to wait patiently for the outcome of my complaint, but I have not expected Synchrony Bank to further check my Credit Report after my first letter from XX/XX/XXXX.
My Credit Score on XXXX is currently XXXX points lower than on my other Credit Reports, and that bothers me, although I still have an excellent score.
Product: Money transfer, virtual currency, or money service

XX/XX/2018, a total of four fraudulent XXXX Transfers were made from my Bank Account. The bank was notified and failed to act. At the time there were three transfers in the amounts of {$180.00}, {$200.00}, and {$490.00}. Following the call to the Fraud Department of my Bank, a fourth charge came through for another {$200.00}. Total fraudulent XXXX Transfers were {$1000.00}.

My wife and I have never used any money transfer service, so would have had no reason to accept or set up electronic fund transfer with our Bank. That said, there was a change to our account on XX/XX/XXXX18, the same day the charges occurred. These charges are related to XXXX Transaction XXXX and the receiving party email is " XXXX ''. This looks shady to me. 

I have filed a report with the XXXX Police Department. Case # XXXX. 
You may reach XXXX @ XXXX. In addition to XXXX, Complints are being filed with My bank and XXXX  XXXX, where the receiving account is held.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Beginning on XXXX XXXX I filed a direct dispute with Transunion credit reporting regarding the following inaccurate items on my credit report : -XXXX XXXX and XXXXt show 2 late payments in XXXX. I was a XXXX XXXX XXXX, I did not have payments due. They did not take action. 
-XXXX XXXX XXXX loan closed in XXXX, I requested this be removed from my report as it met its maximum amount of time. They did not take action. 
-A BK that met its 7 year limit from XX/XX/XXXX, I requested be removed, they took no action. 
The file number for the online disputes is XXXX. I have also submitted letters ( XXXX and XXXX of XXXX ) with proof that I was a XXXX XXXX XXXX during the times in question, to follow up and have received no reply, and there has been no action to rectify my report with Transunion. In these letters I asked that some of the credit inquires from XXXX be investigated and removed as well, as they were not authorized by me. All other credit bureaus I asked for these corrections complied within 30 days. Transunion has made no effort to resolve the issues and it has been 8 months.