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

XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XXXX Date of Last Payment XX/XX/2024 XXXX Report DATE XX/XX/2024 Eqifax Report DATE XX/XX/2024 Equifax Date of LAST payment XXXX Last DATE active Equifax Last Date Active N/A XXXX XXXX XXXX XXXX Report Date N/A XXXX Date of LAST payment N/A XXXX HAS NO HISTORY, but is on my XXXX credit report as a hard inquiry
Product: Credit card or prepaid card

On XX/XX/2023 try close my credit account. On XX/XX/2023 alliance insurance company refund it {$120.00} to my closed account. I've been called the time ever since the XXXX of last month trying to see when they are going to send me a closure check. I have been on the phone with them every day, waiting on an email ; still haven't got an update on anything that is going on with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see My attached With Prejudice as a XXXX for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I see that TransUnion has attempted to fix the issues I have complained about and I'm thankful. I received mail that I will have attached below from TransUnion in reference to my XXXX XXXX XXXX accounts that they're reporting. I still see my experiences with XXXX XXXX XXXX  are still showing on the report. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Debt collection

XXXX XXXX XXXX has been harassing me on and off for the past few years to pay a debt that is not mine. I have communicated this numerous times to XXXX XXXX and the various debt collection companies they use ( most recently Jefferson Capital Systems ). They fail to offer any evidence that this is my debt.
Product: Credit reporting or other personal consumer reports

I had a collection with Knight Adjustment bureau that I paid off. This is still reporting on my credit report despite the fact the person on the phone told me it would be removed after I paid. It has been a very long time and I have yet to see it removed.
Product: Credit card or prepaid card

XX/XX/2020 we paid with Citicard Credit Card car dealership to fix our auto {$980.00}. Dealer claimed they did fix our car. We arrived at dealer and paid in good faith. When we arrived to pick up our car, the dealer tried to deliver the car with no fix right there in their own garage. We never took the car back. Dealer then refused to return our money. Claim : Work we paid for was faulty or not completed. 

We then dispute the charge with Citicard two days later. Citi put a hold on the charge. We then sent a complete 26 page report to Citicard about the dispute on XX/XX/XXXX. Citi wrote us they ruled in our favor XX/XX/2020. The charge was removed ... then later magically appears again on our monthly statement. We contact Citicard on several occasions to find out why. They claim that we should be removed and ruled in favor. Then we receive a letter from Citicard dated XX/XX/2020 saying we must pay anyway. See attached two scans. 

Complete run around and hung out to dry by Citicard to us, and days of hours of calls on the phone with them for a further run around.
Product: Student loan

I 'm not exactly sure who is or should be servicing my loan at this time, XXXX or Sallie Mae. My first disbursement date was XX/XX/XXXX in the amount of {$1200.00}. I may have received some false or misleading information when I expressed financial hardship to Sallie Mae in XX/XX/XXXX, I 'm not sure if I should take the suspension since I 'm still able to make payments, I 'm just wondering how often they 're going to change the interest rates. They told me that my only option was a temporary suspension of payments. In earlier months ( not sure when ) I was told to call XXXX, either way, I feel like I 'm being taken advantage of, please help
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the XXXX bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it's actually you who are the actual furnisher and this account is reporting inaccurately. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be removed from my credit report entirely for false reporting!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - I contacted XXXX XXXX XXXX to initiate a Dispute of a negative report of a XXXX day late on my credit. ( see letter from XXXX dated XXXX attached ) XX/XX/2022 - XXXX wrote XXXX XXXX XXXX to advise them of an error in credit reporting of the one and only ( ever ) late payment on my XXXX lease account in connection with my XXXX  XXXX XXXX XXXX ( Lease Account ending in XXXX ). 

XX/XX/2022 - XXXX initiated a XXXX XXXX XXXX XXXX XXXX, related to a late payment on the above-referenced lease account in XX/XX/2022, which was caused by a Bank error on the part of my linked Easy-Pay checking account with XXXX XXXX. 

XX/XX/XXXX, XXXX I received a response letter from XXXX XXXX XXXX XXXX XX/XX/2022 ( see attached ) wherein XXXX XXXX that they reported my account as XXXX days late ( under the FCRA ). 

XX/XX/2022 - XXXX verified that a payment submitted on XX/XX/2022 was returned unpaid by my bank as a result of the documented BANK ERROR ( see attached Letter from XXXX XXXX ). 

XX/XX/2022 - XXXX XXXX XXXX further advised that the payment due on XX/XX/2022 was SATISFIED on XX/XX/2022 ( which was 30 days after the payment due date and resulted in a a XXXX day delinquency reporting for XX/XX/2022. 
** NOTE : XXXX stated that my payment was XXXX DAY too late as had it been received on the XXXX day, then XXXX would NOT have been able to report this XXXX day delinquency as they had done. 

XXXX XXXX XXXX failed to complete their investigation within 30 days, as is required. Indeed, to apply the very same " zero-tolerance '' rigor applied to me in being ONE DAY too late in my XXXX payment satisfaction ( caused by documented bank error ), then so too should XXXX XXXX XXXX XXXX XXXX to the same strict time standard in their investigation- which they applied to my curative payment. 

** CONCLUSION ** XXXX XXXX XXXX ' response letter was dated 32 days following my Request for Investigation ( AND 36 DAYS FOLLING THE DATE I ACTUALLY RECIEVED THEIR RESPONSE on XX/XX/2022 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inconsistent information appearing on my credit report regarding one of my accounts. According to my recent credit report, there are two different entries for the same account with conflicting information, which I believe to be an error on your part. 
XXXX XXXX. XXXX et seq. is the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed and how accurate and fair they are. The FCRA requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of their reports
Product: Credit card or prepaid card

Capital One Quicksilver credit card advertises 0 % interest rate on balance transfers, with no mention of a time sensitivity or deadline for this new account offer. After my approval for the new card, shipped to me XX/XX/2018 and received XX/XX/2018 I was informed that the balance transfer option was not available to me, and supposedly that offer had ended XX/XX/XXXX, after my card was approved. 

I called and talked to customer service, asking to complain. I was put on hold for a second time and my call was not transferred to a manager in a reasonable hold time. 

There is no email listed for consumer complaints. 

I emailed the card president with an email address that I researched and deduced, XXXX XXXX listed on corporate web pages.
Product: Credit reporting or other personal consumer reports

On 08/10/23, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

We moved to XXXX, XXXX on XX/XX/22. XXXX weeks ago I was withdrawing money at the atm in front of XXXX. A XXXX man who spoke good XXXX offered to help me. As he was explaining how if I took dollars instead of XXXX  I would avoid fees, he took my debit card & inserted a card into the atm. While doing so, he actually inserted a different card & kept mine. After racking up XXXX in charges & atm withdrawals I noticed and called Wells Fargo. They told me it could take up to 10 days to issue me a provisionary credit. Yesterday on the 9th day they told me my claim was denied. I told them this was unacceptable as we live on a fixed income. My boyfriend took over the call and the result was they would reevaluate the denial & get back to us. I have been a Wells Fargo customer for 20 years. I have never filed a fraud claim. In those 20 years I have made many automatic deposits for my accounting business. We have also heard of this happening to other friends & people. Does anyone have experience in this or suggestions?? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If the three credit bureaus, XXXX, XXXX, and TransUnion, are private and for-profit companies, why I am obligated to have my information with them? 

I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? 
Where is the US LAW that states that they can not remove my personal information at my request?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through Transunion, XXXX and XXXX  and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.
Product: Money transfer, virtual currency, or money service

Good afternoon, My name is XXXX XXXX. I had an account with Cash App ( which is currently closed ). For nearly 21 months now I have been attempting to cash out {$2400.00} that is rightfully mine. They first claimed I couldn't cash out because that transfer was being disputed by the sender, which happens to be my husband, XXXX XXXX. That is false, and I have sent multiple emails with the history of the transactions. I sent them the information below : " Below are all the transactions that involve {$2400.00} between XXXX XXXX, XXXX XXXX and myself, XXXX XXXX. As you can see, this has been resolved on XX/XX/2018. The {$2400.00} that my husband, XXXX XXXX, sent me, XXXX XXXX on XX/XX/2018 at XXXX XXXX   was never disputed. The transaction that was accidentally disputed and resolved by XXXX XXXX  is the transaction sent from XXXX XXXX to XXXX XXXX ( unknown date and time because all off $ XXXX history was erased ). Thank you for your time, and if you need anything please let us know. 



XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX -- Web Receipt Identifier : XXXX XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX  to XXXX XXXX $ XXXX -- Web Receipt Identifier : XXXX XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX  -- Web Receipt Identifier : XXXX XX/XX/2018, before XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX  -- - this is the transaction XXXX XXXX   accidentally filed a claim on XX/XX/2018, XXXX XXXX  : {$2400.00} transaction from XX/XX/2018, XXXX XXXX  refunded from XXXX XXXX 's account $ XXXX  due to XXXX XXXX  's error in filing a dispute. Web Receipt Identifier : XXXX XX/XX/2018, XXXX AM : Cashapp returns the {$2400.00} back to XXXX XXXX 's account $ mikepavlovich after XXXX XXXX  releases the funds back to cashapp after XXXX XXXX worked with XXXX XXXX  to cancel the dispute he never filed. The reasoning on the transaction is For XXXX XXXX XXXX : https : XXXX This is where the issue has been resolved between those two individuals. ( I attached a screenshot of this transaction from XXXX XXXX 's account ). '' Cash App would tell me to patiently wait while they investigate the case, then when my patience runs out I reach out to them and they will tell me the case is closed since I did not reach out to them. The transaction between XXXX, my husband, and myself was never in question. I am very exhausted from this situation and am just trying to cash out my {$2400.00}.
Product: Debt collection

Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by Portfo! I'm  Recovery for whatever reason. Portfolio Recovery are ghouls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the XXXX  year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the XXXX company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by XXXX. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX XXXX XXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.