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

Capital One has reported late payment on my credit card for the amount of XXXX USD as it appears on my credit history. This has greatly damaged my credit score. I have contacted Capital One to clarify what it means to have a late payment of XXXX  ( XXXX  ) dollar. 
In response they told me the information is correct and that I had a late payment for XX/XX/2020. 

I've check my statements and I see that I have made payments as following XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$90.00} In XX/XX/2020 I made above the required amount, so I could not have a late payment, yet my credit history as of today show 1 missed payment in XX/XX/2020 for the credit card ending XXXX for the amount of XXXX dollar. 
I have never had any missed payment in my life and this one miss payment ruined my perfect credit history. 

This makes no sense, how can one miss a payment of XXXX dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX Hard Inquiries, remove this is not my credit card XXXX  XXXX Reported on XX/XX/XXXX, remove all Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX EFX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX HARD Reported XX/XX/XXXX EFX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX VA XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX  XXXX FL XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX - XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX thank you for all your time and your help on removing these items off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- The account is XXXX XXXX this account shows that I am an additional on a flexible spending account- I have never ever had an account with XXXX XXXX- i he disputed this as fraud- requested ho was this validated, who they spoke to and the method of validation. per the Fair Credit Reporting Act 15 USC 1681 section 610 ( B ) indicates that I have the right to request this information and it to be disclosed. I have never ever received this info- XXXX XXXX does not have it and they have advised me that it is fraud and should be removed, they even provided a fraud case # n their end as a referenced since ir has been deemed fraud? CSE # XXXX so how was this verified? who did you speak to? what method was used for verification? 

This is the same issue with XXXX XXXX XXXX. I have never had an account- hey indicated it was fraud. 

the other bureaus have indicted fraud and removed so how can you validate this debt? what was used? if everyone uses the same information how did you validate and to keep it on my report? Equifax is breaking the consumer laws and the CFPB i allowing it. they are not reporting accurately/. 


please Remive- XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and send me an updated copy if my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

was in the hospital and then had a XXXX XXXX and have XXXX.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts repaired for once : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX I received a letter from Champion Mortgage Company stating that they had to make payments for delinquent taxes in my behalf. 

The taxes are NOT delinquent as they are due by XXXX XXXX XXXX XXXX I called the mortgage company to discuss the problem and they stated a third party company advises them when a customer has unpaid tax payments and based on that only they say they sent payments. 

XX/XX/XXXX I called both the local and county tax offices and both said in no way am I delinquent as they aren't due until XXXX. 

XX/XX/XXXX I called the mortgage company back to tell them I spoke to the tax offices and they were unhelpful and continued to repeat the same things that i was delinquent. 

They advised me to pay them back or face possible foreclosure. They also charged me fees because I was supposedly delinquent. 

They said they paid a total of {$2400.00} As of XX/XX/XXXX neither the county or township have received payments from Champion.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file that is not mine. It appears on all three bureaus it's with a company by the name of XXXX XXXX for a medical provider named XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX so this can not be mine. I have disputed it with the bureaus over 2 months ago and they never responded, yet it does appear on my XXXX XXXX. I did supply all the proper documentation that the bureaus requested and they have not even responded to my request.
Product: Credit card or prepaid card

I got married and moved. I have tried to change my information online and through phone calls. They never properly changed my information therefore I did not receive my statement.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this afternoon, and I have no idea why theyre there. I checked my report like I always do, but this time, there were random discrepancies. After refreshing my browser to see if it was an error, nothing changed. This situation is incredibly upsetting, and I need the documents Ive provided to be thoroughly examined so I can finally put this behind me.
Product: Debt collection

XXXX {$410.00} FAMILY SUPPORT {$2500.00} THESE ACCOUNT DOES NOT BELONG TO ME
Product: Debt collection

I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Someone took out a bunch of lines of PayPal credit and applied for a XXXX XXXX XXXX XXXX
Product: Student loan

They make it hard for you to get into the loan forgiveness program. I also think that they are overcharging my student loan, and that they increase my late payment to get into the forbearance program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report
Product: Debt collection

I am writing to formally dispute the information currently associated with my accounts. It appears that there are inaccuracies regarding the status of my accounts, specifically concerning the merging of files and the characterization of my payment history. 
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
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the debt reported by your agency. This debt is inaccurate and should be removed from my credit report immediately. 

I vacated the property at XXXX XXXX XXXX XXXX in XX/XX/year>, and I do not owe the amount being claimed. Therefore, I request that you provide full validation of this debt, including : 1. Proof of the original debt, including an itemized breakdown of charges.

2. Documentation showing my agreement to the alleged debt.

3. Evidence that your agency has the legal right to collect this debt.

Additionally, I demand that you investigate this matter and correct any inaccuracies on my credit report. If you are unable to validate the debt, I request that you : 1. Remove the debt from my credit report with all credit bureaus.

2. Cease any further collection activity regarding this account.

Please be advised that reporting inaccurate information or failing to validate a disputed debt violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I reserve the right to pursue legal action if these laws are not followed.

I expect a written response within 30 days, confirming either the validation of this debt or its removal. 

Sincerely, XXXX XXXX XXXX -- - Tips : 1. Send via Certified Mail : This ensures you have proof of delivery.

2. Attach Evidence : Include any documents ( e.g., lease termination, move-out letter, or proof you left the property in XX/XX/year> ). 


XXXX. Monitor Your Credit Report : Use services like XXXX to confirm changes.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report, which I have attempted to have removed multiple times. Despite my repeated efforts, this marks my fifth attempt to resolve this matter, and I am reaching out from you for assistance. Unfortunately, my efforts have been unsuccessful, and the fraudulent items remain on my report, causing significant distress and impacting my financial standing. Given the persistence of this issue and the lack of resolution, I am now seeking your intervention. The fraudulent items are not only inaccurate but also damaging to my credit score and overall financial health. I have attached copies of all relevant correspondence and documentation related to my previous attempts for your reference. I respectfully request that you would take action to ensure that these fraudulent items are investigated and removed from my credit report as soon as possible. I am available for any additional information or documentation you may require. Please help me delete the following fraus items now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have noted an unauthorized inquiry on my credit profile. Transunion has failed to remove the unauthorized Fraudulent inquiry. This inquiry should be removed immediately because it was not authorized by myself.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The collections agency ( Transworld Systems XXXX called on multiple occasions and claimed to only have called a few times. They left multiple voice messages. They used rude and threatening language - said that if I did not pay the bill to them that they would immediately hang up and say I refused to pay the debt. Note that this was for a small amount of medical debt which was mailed to the wrong address, and which I never actually received a bill for so I was confused where this had come from. I tried to figure out what exactly I owed and who I should get in touch with to pay the debt that was owed and they refused to give that to me and repeatedly threatened that if I did not pay them directly that they would say I refused to pay the debt. In reality I was willing to pay the debt, and wanted to try to figure out if this was a scam or real debt - I noted that when I had checked my credit report there were no collections on my account. In this day and age with all the phone scams I just wanted to make sure that there was actually debt that I owed. She then again threatened to say that I was unwilling to pay the debt. She said that she would hang up on me and was not being helpful in working with me or determining where the debt had come from. She used a very aggressive tone against me, and when my son tried to help me ( because I am an XX/XX/XXXX and do not necessarily speak the best English / understand everything she was XXXX she refused to speak with him and threatened to hang up / report that I was unwilling to pay the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Bankruptcy # XXXXXXXX XXXX Bankruptcy name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is attempting to continue to violate my rights as a consumer with stall tactics in removing charge off accounts which are defined as income by the irs. Ive submitted with my previous complaint the last 4 digits of my social, proof of address, and my id along with evidence showing them the violations and my demand to remove them from my consumer report immediately. They sent me a letter refusing to investigate the clear violations until I send the information that Ive already added to this complaint. 

I have several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a 1099c. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. A charge off can not be considered both income and debt. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.
Product: Credit reporting or other personal consumer reports

XXXX Transition XXXX I've been trying to transfer my credit history to my new SSN. 
I've been building credit for the past years with an ITIN. 
Since I've became a legal permant resident I tried to contact these credit bureaus to see how can I solve this. 
My SSN has no credit file ..different Financial institutions said that So since I can't contact these bureaus it's been a painful process calling over and over again to different numbers.
Product: Credit card

Hello, Summary - XXXX Citigroup Inc.customer representatives assured me {$650.00} credit which I never received as of today ( more than 2 months ). Multiple follow-ups have been done with the Bank. 
XXXX Sequence of events : 1 ) I opened an AT & T Citi Access Credit Card Account 2 ) I made a purchase of more than {$2000.00} in the first 2 months itself. 3 ) I called their customer support service to understand how I can avail the credit of {$650.00} which was part of the discount scheme if I spend {$2000.00} in first 3 months after opening the account. Customer representative confirmed me over the call that I can buy the phone from ANY store using AT & T Citi card and I will get the credit against the phone purchase. 4 ) Based on this confirmation I purchased a phone on XXXX XXXX 2016 from a BestBuy store. 5 ) Citi did not give me the credit so 6 ) On XXXX XXXX I called them again. This time Citi customer representative was reluctant to give me the credit but after talking to his manager he confirmed me that I will be getting the credit once I fax Best Buy phone purchase receipt and my account details to XXXX. I faxed the receipt and details after couple of days. 7 ) Till today I have not received the credit of {$650.00}. IF support representative had completely denied me the credit on XXXX XXXX I had an option to return the phone back to Best Buy store. 8 ) I sent 2 more messages ( from my online bank account ) to Citi asking for the credit. 9 ) On XXXX XXXX I called Citi customer service again. I was told call is being routed to Manager, XXXX representative said same thing that call is being routed to Manager, I will be getting a call from Manager etc. I am very upset and frustrated with the Bank as they misled me multiple times. On top of it then applied late payment charges on my account. 

My concerns are 1 ) I have not received the credit of {$650.00} and 2 ) Bank has applied late payment charges to me, this would not have occurred if they had applied credit to my account on time. 

I sincerely request you to look into this matter and help me resolve the issue. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA.XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.