23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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.C 1681. Account name XXXX XXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX, Account name : XXXX, Account name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 no treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have an exceptional payment record with all my creditors which is readily available on my Experian credit report XXXX XXXX date late on a XXXX payoff is hurting my credit report to potential lenders I have made thousands of dollars of payments on time and have an exceptional payment history 's. As a XXXX XXXX  % veteran from the XXXX XXXX from services in XXXX to have a XXXX day late paying a bill of XXXX dollars is hurting me from getting credit I deserved and at XXXX XXXX XXXX I would like to keep my credit report clean. I make over a XXXX XXXX dollars a year from my retirements and XXXX and to have a XXXX day late report for paying off a creditor that stays on my file for 7 years is hurting me immensely since i will die before this negative notation is removed. NO one listens to me concerning how badly this negative late report is hurting my credit. Thank you for allowing me to air my complaint. I remain respectfully XXXX XXXX XXXX last XXXX of my ssa is XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of accounts on my credit report XXXX separate times on XX/XX/24, XX/XX/24, XX/XX/24, and XX/XX/24. 

I demanded every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that it has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting. 

If they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the accounts under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

I demand the accounts be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ), or it MUST be removed immediately.
Product: Checking or savings account

I want a full refund from cash app ( XXXX XXXX ) because I did not receive my merchandise in a timely fashion she stated allow 13 business days from XX/XX/2021 and a lack of communication. Cash app stated their unable to refund me to request my money back from XXXX XXXX. I have notified my bank of the issues I'm having with cash app all I want is for them to do the right thing if I didn't receive something I purchase and paid for it through your company your able to assist in refunding me. 

On Wednesday, XX/XX/2021, XXXXXXXX XXXX, Cash Support <emailsupport@cash.app> wrote XXXX Hi XXXX , It looks like youre reaching out for help canceling a payment to someone else. Cash App is unable to cancel or refund completed payments. We recommend that you attempt to request the funds from the recipient. 

To do so : Enter the amount of the transaction on your Cash App home screen Tap Request and fill in the To and For fields Tap Request again to complete the request To learn more, please visit Cash App Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

If you would like to dispute this payment, please provide the following information for each transaction in question. Without answers to each question, we will be unable to investigate further. 
Date : Payment amount : Recipient name or $ Cashtag : Reason you are disputing the transaction : In addition, to help us investigate your claim, please provide the following information : Provide the make and model of each device used to access your Cash App : Contacting us about something else? Please reply to this email with as much information as possible. 

Thank you, Cash App Support ref : XXXX : ref
Product: Debt collection

Rash Curtis company is trying to collect two medical bills that I do not owed. One for {$170.00} and the other for {$160.00}. They are denying that they are trying to collect the {$170.00} although it is on my credit report from them. They have trashed my credit.
Product: Credit card

Approximately two weeks ago. I was contacted by Capital One Fraud detection. They indicated there was suspected fraudulent activity. We went through the charges and indeed their were 3 fradulent charges from XXXX XXXX. These were deleted and the representative indicated that they would be sending out a new card. A few days later I got another call from Capital One indicating suspected fraudulent activity. I informed them that I had already gone through this with them. They indicated that my card was restricted and that I would have to forward them a copy of my drivers liscense, social security card, and another document that verified my address. I told them that I would not provide a copy of my social security card. I asked that they provide me access to my outstanding charges for review. Once that I could review the charges and establish that they were legitimate. I would pay my bill if full and close my account with Capital One. I also asked that my accumulated points be credited toward my balance or sent to me in the form of a check. They told me that they would not allow me to review my statement or issue any credit from my accumulated points until I provided the requested information. Which I declined. I simply want to review my charges, pay my outstanding balance, be credited for my points and close my account. I have had a Capital One client business accounts for 30+ years. My account has always been paid timely. To the best of my knowledge I have never carried a balance with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy entry listed on my credit report associated with case number [ XXXX ]. This bankruptcy entry is incorrect and must be deleted immediately. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in consumer reports. Despite this obligation, the inaccurate bankruptcy remains on my report. Your failure to correct this misinformation violates the FCRA and has caused significant harm to my credit profile. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. I have sent several disputes to the credit bureaus, and they are failing to investigate anything as usual. 

XXXX XXXX BANKRUPTCY XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide detailed documentation showing the steps taken to verify the accuracy of this account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : INTERVAL INTERNATIONAL/PROFESSIONAL/ THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration.

Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America is only paying part of my payment {$140.00} not {$430.00} towards my mortgage as loan I signed. I do not have escrow, I pay all of my taxes and insurance. This is reported as negative to XXXX.
Product: Debt collection

According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true. 

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account? 
Who did you speak with? 
What date and time was this investigation Equifax could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that i have made. My identity has been used without my knowledge, due to my identity being stolen, block and remove the following fradulent inquiries. It is the result of identity theft. The transunion inquiries listed below are fraudulent and must be deleted and blocked. 

FTC report attached
Product: Debt collection

I am disputing the collection account with XXXX, account number XXXX, dated XX/XX/2021. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

We have an FHA mortgage and have an issue where work done by a local utility company on the road in front of our home is causing continuous, long term damage to our home. Because it is an FHA/HUD home and mortgage, we were advised to reach out to the mortgage company for advice. There is NO WAY to reach an actual person on ANY of the phone lines listed for the servicer ( MR Cooper ) for our mortgage. We collectively spent over 4 hours through various phone numbers trying to reach a live person and all we got was automated messages with no way to reach a human being and no real answers. Our mortgage is held by one company and " serviced '' by another. We even reached out to the lender ( who holds the mortgage ) XXXX, and once we entered our loan number, that line automatically took us back to the automated system for MR Cooper, for the whole thing to start all over again. We just want to speak to a human about the complications caused by the public utility work and how it is affecting our home ( causing it to sink ). Since our home is FHA/HUD, it is supposed to be protected by certain provisions and we wanted to let the mortgage company know what was going on and have them advise us on how to protect our investment ( which is also theirs, since they are the lender ). What if we needed real help? There is absolutely no way to reach an actual human person for any reason. The answers to every single question lead to an automated response, under the pretext of " we need more information to direct your call to the right person '' which they never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called both the creditors and Transunion to get some incorrect hard inquiries removed off my credit report, first creditor , XXXX  XXXX XXXX, told me they could not help me and there's nothing they can do about an inaccurate inquiry ; i called back a second time and they bounced me around 8 times and eventually hung up on me. The second creditor to the other inaccurate inquiry simply will not answer or return my calls or emails. I turned to TransUnion to help get these removed by phone and they told me I have to get a letter of deletion and they have to mail it only to get them to delete my inquiries which is not what the website says and I believe they just lied to me. They told me to contact to the creditor because it's not their issue to deal with. I can't believe this is a credit bureau in America. The inaccurate inquiries I need to be removed are as follows : 1. XXXX XXXX XXXX - Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX 2. XXXX - Institution Information XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/2019 I think this was fraud or credit pulls without my permission, i don't have any products with XXXX   XXXX XXXX.
Product: Debt collection

These were personal loans that were taken tout years ago. My mom was the co-signer on them and she has now been deceased for almost ten years. I have paid faithfully for the last 5 years of over {$30000.00}. Im asking that these two debts be forgiven or discharged because I struggle financially struggle every month making the {$500.00} payment along with my other expenses. Especially when XXXX hit. It seems to be a roller coaster trying to make ends meet. Where I work was greatly impacted by the pandemic. Business has been up and down for the last couple of years. PLEASE FORGIVE ME OF THESE TWO DEBTS.
Product: Mortgage

I had over many years used a third party program XXXX XXXX XXXX XXXX to pay my mortgage payments by deducting the payments once a month on the XXXX from my checking account in the amount of {$450.00} to pay my mortgage payments for early off. However, I got my XX/XX/XXXX mortgage statement reflecting that my XX/XX/2018 payment had not been received. I contacted XXXX XXXX on three occasion which is difficult to get through the phone system, I was verbally told that they experienced an computer gliche and that my payment for XX/XX/XXXX will be paid by the last week in XX/XX/XXXX and that any late fees will be made up by them and any negative action to the credit bureau regarding that will be corrected with correspondence drafted and submitted by their company. As to date I have not had my payment submitted from XXXX XXXX nor have I been contacted to have my monies refunded to me or late fees received or submitted to my mortgage lender. I would like my monies refunded as I had to make the additional payment unexpectedly and the late fees and I want a letter to my mortgage letter and the credit bureaus to correct the error that happen on behalf their company.
Product: Checking or savings account

In the recent years I have noticed service charges that I never use to encounter as As a wellsfargo customer, also have had some overdrafts that should not had occurred, and then had to pay overdraft fees for as well
Product: Debt collection

I shouldn't have any negative items on my credit report please remove all negative items thank you theirs no Information to be verified.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with representative I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. XXXX XXXX never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX, and all payments were placed on Autopay.

This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made on the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late, and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.
Product: Prepaid card

Bank of America froze my prepaid debit card on many occasions during the pandemic. I just want to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has on my credit file some inquiries that are inaccurate and need to be removed. I have in fact sent this information to the bureau previously.