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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on various credit reporting platforms. Despite my credit card statement clearly indicating that my account has been paid in full, Equifax continues to display erroneous information that misrepresents my credit status. 

On XX/XX/year>, I received my credit card statement from XXXX, which shows that my account balance was {$0.00}, reflecting that all payments have been made in a timely manner and that the account is settled. However, upon reviewing my credit report, I found that Equifax has inaccurately reported my payment status, which negatively impacts my credit score and overall financial standing. 

I have attempted to resolve this matter directly with Equifax by providing the necessary documentation to support my claim, including a copy of my credit card statement. As per the Fair Credit Reporting Act ( FCRA ), when a consumer provides documentation to correct inaccurate information on their credit report with a Consumer Reporting Agency ( CRA ), the CRA is obligated to investigate and modify the information accordingly. Unfortunately, Equifax has failed to fulfill this obligation, which constitutes a violation of the FCRA. Essentially, not correcting inaccurate information when presented with evidence violates the rights of consumers and undermines the integrity of the credit reporting process. 

The continued misreporting of my credit status not only affects my creditworthiness but also adds unnecessary stress to my financial situation. I kindly request that the Consumer Financial Protection Bureau investigate this matter and hold Equifax accountable for their failure to correct the inaccuracies in my credit report. I would appreciate your assistance in ensuring that my credit report reflects accurate information and that my rights as a consumer are upheld. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit card or prepaid card

Hello, I am reaching out to complain about my credit card delivery. 
Initially, I applied for and got approved for my credit card in XX/XX/XXXX, but the card was not delivered for unknown reason. After inquiring citi about this problem, a representative had signed my original card to be missing and said that he is sending a new card. This was on XXXX XX/XX/XXXX. He said that the delivary would be made in 4~7 days, but I have not received anything yet. When I reached out to citi via live chat, Citi live chat agent had told me to contact XXXX on phone to solve this problem, but the number prompts me to input SSN or XXXX. I do not have either of those numbers, therefore citi is not providing me with any way to even inquire to a spokesperson about this problem. XXXX is another number given to me, which also asks for credit card number/SSN/phone number. When I try my phone number, the system has problem accessing my information, again not allowing me to contact citicard. This is becoming very frustrating for me, and I seriously want to know why citicard would not send my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

XXXX XXXX Balance Owed : {$0.00} The fact that you are still listing this account as being past due despite the fact that it has been paid in full and has no outstanding amount is a blatant violation of the Fair Credit Reporting Act. I never missed a payment on this account. My records indicate that I never missed a payment on this account, which was paid as agreed. I need you to please either entirely erase the disputed account from this account 's payment history or take care of the late payments. 

XXXX XXXX  XXXX Balance Owed : {$1.00}, XXXX You have done nothing despite my repeated attempts to dispute this account and get the payment history updated. I never made late payments for this account, hence the late payments that are shown in the payment history of the account are false. Please update the payment history as soon as you can by deleting the recorded late payments. 

XXXX  XXXX XXXX Balance Owed : {$1100.00} This statement was never late and never will be. I've tried to ask you to alter the payment history since you are putting false and inaccurate information about me on my credit record. I ask that you stop reporting late payments on this account and only provide truthful information going forward. The FCRA requires proper credit reporting.
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 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

I applied for and received a Chase Freedom Unlimited credit card. It stated that I would receive {$200.00} if I spent {$500.00} within the first three months, which I did. Now they say it will only be {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score went from XXXX to XXXX with the description of changes detailing balance decreases of 2 of my credit accounts. 
The following week of XX/XX/XXXX I received another alert form XXXX XXXX that my score dropped XXXX points w/ the description of changes being another balance decrease of a different credit account. 
I believe I called Transunion that following week to inquire about the points drop but I didnt start taking names until I spoke with XXXX on XX/XX/XXXX ( It was then I learned that you have to keep calling until you get a rep that will actually transfer you to a supervisor, most reps will tell you there isnt one available and tell you someone will have to call you back, which NEVER happens ). 
But eventually I spoke with a supervisor named XXXX on XX/XX/XXXX from XXXX XXXX who couldnt explain the drop in points specifically ( like previous reps she provided me with scripted scenarios of what makes points go up and down, none of which applied to me ) after a longer discussion XXXX informed me that they were not allowed to give specific info about my credit score/account over the phone and recommended I pay for their website service for a better description of my account details. 
So reluctantly I did, and of course it didnt helpso eventually I called back and after several attempts at the game to get another supervisor I spoke with XXXX XXXX XXXX XXXX. 
I explained to her my situation and like the previous reps/supervisors she gave me the scripted description of what could make a score go open and down and like everyone else she had NO specific explanation why my score dropped XXXX points and even more surprising she claimed that Transunion didnt have specific details to elaborate to customers to explain their point system. In addition she also couldnt explain why on their ( Transunions ) website ( that I jus paid for ) there is a score trending graph that tracks your credit score my graph shows that my score has been XXXX consistently for a whole year ( which is not possible considering scores will change at least monthly ) she acknowledge that that shouldnt be but couldnt explain why it was. 
We went back and forth with a few scenarios, I asked what if it drops another XXXX, XXXX or XXXX points today or tomorrow and eventually her II dont know or jus silence to my questions became irritating. So obviously having no answers for me at all I finally asked if there was someone else I could speak with and she said no but surprisingly she recommended that a file a complaint with The Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting me as an Authorized User on XXXX XXXX ending in account # XXXX. I called XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User on this account. They removed me as an Authorized User on XXXX  and XXXX, however Experian has not removed this from my report. I have contacted the bureau to fix this issue. The negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent proper paperwork to have this debt that I did not authorize be removed from my credit report as well as sending proper paperwork including a notarized affidavit, an XXXX XXXX profile, police reports stating that I am a victim of identity theft to the actual creditor which is Exeter finance Corp & the credit bureaus. This said documentation was sent in XXXX XXXX XXXX & now I am reaching out to them again. I am picking up a police report from XXXX XXXX XXXX and will be sending out another affidavit. Id theft report and police report to Exeter finance Corp. and the credit bureaus because this is ridiculous! I have rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SHOWED MY POLICE REPORT FROM WHEN I HAD IDENTITY THEFT ALL MY INFORMATION WAS STOLEN THIS MAKES THE XXXX TIME I HAVE UPLOADED MY DOCUMENTS TO EXPERIAN AND I WAS TOLD THE MATTER WOULD BE TAKEN CARE OF BUT THEN IT CHANGED AFTER I CALLED TO CHECK ON MY DOCUMENTS WHEN I WAS TOLD TO GIVE IT 24 TO 72 HOURS.I WAS THEN TOLD THAT I COULDN'T GET IT OFF DUE TO MY COURT ORDER AND POLICE REPORT AS WELL..THE CREDITOR IS NATONAL CREDIT SYSTEMS. BUT THE ISSUE IS WITH EXPERIAN AS WELL..
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, Today, I received another two emails from your company. This time, my report number is XXXX, which is another number for me with almost same content. Last time, I realized the spouses name was added, which I believe requested to delete because it was co-applicant. My husband never applied with me anything including the bank accounts. I checked XXXX and XXXX, both, do not have the spouses name. I am not sure whether these reports from the different companies need to be same or not. However, I believe it needs to be same because they report the personal and confidential information. Therefore, I want to ask you why your company include the spouses name. 

Second, these todays reports were sent from Experian XXXX ( XXXX ) at XXXX and Experian ( XXXX ) at XXXX. I realized the former one, Experian Alert, asked me to the different mailing address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Since I have many correspondences and filings, I prefer to have only one mailing address with one company, especially, in the case of dispute, which relates the important personal information for confidentiality. 

Third, I received another email from your company, Experian ( XXXX ), while I am writing this letter, at XXXX XXXX. It told me the opportunity of right loan. I believe I registered for opt-up to receive any mails like this. 

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

This is my XXXX time filing a complaint in regards to my credit reporting for my XXXX XXXX XXXX. In my previous complaints, XXXX Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that XXXX Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, CREDIT PLUS, on XXXX XXXX, XXXX, XXXX-XXXX XXXX and on XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to takr timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund 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

Account name DISCOVER BANK Date opened XX/XX/2016 Balance - {$750.00} Account name XXXX  Date opened XX/XX/2016 Balance {$150.00} To express my deep concern and frustration regarding the continued presence of a fraudulent & inaccurate information on my credit consumer report. These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
Product: Vehicle loan or lease

I purchased a XX/XX/XXXX new truck from a local dealer in XX/XX/XXXX. The dealer sold the loan to Santander co. I was not told by the dealer who held the loan. I did not receive loan papers, payment invoices, etc from anyone. I repeatedly asked the dealer who told me in XX/XX/XXXX that it loan still had not been sold but I would be notified when it was. In early XX/XX/XXXX, I received notice from Santander that I was late on the loan despite never being notified of the fact that they held the note or where to send payment. I talked on the phone with Santander on XX/XX/XXXX. I was told that I was late for XX/XX/XXXX 's payment. I explained I had never been notified. They told me I had to make a payment and would have a second payment due on XX/XX/XXXX. I requested my due date be moved to the XX/XX/XXXX of each month because I could not make 2 payments that close together. they agreed if I paid a payment during the phone call. They told me the payment was {$640.00}. I paid it.They did not change the due date. When I did not make the payment on the XX/XX/XXXX they charged me a second late fee and reported me late to credit companies. They called me and told me I was late and my due date was still the XX/XX/XXXX. I made the payment on XX/XX/XXXX and they charged me another late fee on XX/XX/XXXX. They also raised my payment from {$640.00} to {$710.00} and did not notify me. I have made 2 payments in XX/XX/XXXX to get on track with there changes. I asked them to remove the late report and being behind on payments from the credit agencies because they never told me they held the note. I did not know who or when to pay. Once notified I paid what they asked and when. They changed the amount, continued to assess late fees and incorrectly report. The have so far refused to correct my credit report. They have been dishonest and refuse to help. I want them to correct the credit report and clear my good name.
Product: Credit reporting

My complaint with Experian is as follows : I have found an account on my credit report that I know to be reporting wrong and I notified the bureaus of this in XXXX to no avail. Not only was there no investigation, but I also received a letter stating that # XXXX they would no longer investigate and # XXXX that bankruptcies stay on my credit file for XXXXXXXX years. I did NOT request the time frame for public records. I asked for them to correct or remove the inaccurate account, which they did not. 
I provided the proof from my credit report via an Experian-related website that clearly shows information that does not belong to said bankruptcy. I also called the court and was notified that they do not, in fact, validate information with the credit bureaus and that they use a 3rd party to report the information. 
Please note : Federal law mandates that all the information on my credit file is required to be ACCURATE and COMPLETE and once I notify them of this, they are required to investigate. I have the physical petition in my hands, and this information does NOT match what I am seeing on my credit report. Below, you will find the letter that I have written to Experian as well as attached along with the original dispute and a copy of my credit report and identification. 

Letter dispute : Consumer Financial Protection Bureau Complaint # XXXX CC : Attorney General of CA - complaint submitted XXXX XXXX, XXXX via online submission BBB complaint submitted XXXX/XXXX/XXXX RE : Inaccurate information on my credit report I 'm confused as to why I 'm still seeing this inaccurate and invalid account on my credit report. I provided you the proof last month that you 're reporting this incorrectly and all you did was send me a report with a statement that says " public records such as bankruptcies may stay on your credit report for XXXXXXXX years ''. I did not ask you how long they stay on. I asked you to correct or remove this along with the proof that you 're reporting it wrong. I also called the court and received proof that you do not verify with them. 

My dispute is as follows : US BKPT CT CA XXXX XXXX XXXX Court name listed wrong : You have US BKPT CT CA XXXX XXXX and this is not the name of the court - this has to be listed accurately and I 'm proving to you again that its not! 
Date : I did n't file this on the XXXX of the month. Please send me the petition that reflects this exact date that you have listed. I possess the petition and it does, in fact, list an entirely different date! 
Docket # : the docket # XXXX is invalid and does n't belong to this bankruptcy. Send me the proof or remove it please You did not verify this and therefore, it has not been legally verified. Hence, I request that you remove this at once, as it is ruining my reputation and credit-worthiness. XXXX states that the only form of legal verification is possessing the physical petition to " verify ''. Please send me the court petition that reflects this exact information. 

Please send me an updated credit report immediately. 

XXXX XXXX
Product: Credit card or prepaid card

Company yet AGAIN rebilled me for a transaction that I proved to be invalid!!! 
For this particular one, I emailed them proof on XX/XX/XXXX. They sent a letter out XX/XX/XXXX stating they found the charge to be valid, completely disregarding my supporting documentation showing that I was already charged for the same transaction by my other bank ...
Product: Money transfer, virtual currency, or money service

After a hospital stay in XXXX of XXXX I set upon getting affairs in order. 
I spoke with Capital One Customer Service as to what lane I should be in to expedite the deposit of four ( 4 ) Cashiers Chks issued to Me by Capital One all on the same day and sequential numbers, i.e. last three digits being : XXXX. 
They suggested I send each to XXXX XXXX, Mn. The next day i sent # XXXX by usps registered mail and it was posted to my acct within 5days. I repeated that with # XXXX with the same result. Good When I sent # XXXX, it didn't post in 5 nor 7 mor 10days, so I called customer service Several times and informed them it had been signed for by them. It was finally posted on XX/XX/XXXX then Reversed on XX/XX/XXXX. I called cus. ser and nobody knew why. # XXXX is returned to me by Regular mail and marked as " Altered/Fictitious!! Again I call c.s and after arguing with 2 phone reps, I get one woman who says '' Oh, I see what the problem is ''. I'm relieved, but not for long. This woman XXXX instructs me to resend # XXXX as well as my 4th and final check # XXXX, which I did the next day by again, Registered mail. While I'm waiting to see both of these posted to my acct, an overnight XXXX  envelope is handed to me with both checks in side with note telling me Not to try depositing again. 
I am at my wits end with these people ( capital one ) These are 4 Separate Cashiers Checks issued by them/ to me on XX/XX/XXXX ( yes XXXX ). I sent these back separate in case something happened in transit ( mail ). The one lady ( XXXX ) saw the problem as # XXXX & # XXXX being the same amount {$7100.00} even though they are Separate checks. XXXX assured me she would make a note on my account to alleviate any issues when i mailed them back Again on XXXX XXXX. XX/XX/XXXX they were returned to me by XXXX. 
This ongoing back & forth along with being accused of " Altering '' or Rendering a fictitious instrument is not doing anything to help my XXXX XXXX. 
Respectively, XXXX XXXX. XXXX XXXX. XXXX XXXX
Product: Credit card or prepaid card

Genesis Card sevices, which I have a account with on another Card Milestone unknowest to me send me a credit card under the name Desitny Credit Card, While I reviewed my credit report on XX/XX/XXXX I saw a balance of {$75.00} from Destiny Credit Card, I call them the same day and reported this to them. They told me I must have applied which I stated I did'nt they said that was a proccessing fee the {$75.00} even if the card has never been recieve or activated, at this time a supervisor came on phone and stated that this matter would be resolved. Upon checking my score XX/XX/XXXX I saw the charge still on my report. I called and talk to a foriegn agent and was told there is nothing that can be done and I have to report fraud, mind you this Desity card has never been activated.Question I ask was how can this be, that am being charge {$75.00} for and card not activated and one I never applied or recieve. Am filing this complaint so that people won't be trap in paying this fee. 
The have all my info due to I have a account with Milestone. Please avenues I have to resolved this matter.