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

I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. 

XXXX, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Product: Debt collection

I entered into an agreement with XXXX XXXX to payoff a past due credit card and get a judgement dismissed. What I signed stated I am not responsible for interest, court cost, or any other addition cost. I was to only be responsible for the principal balance of the credit card that was closed. I paid off my entire balance within 1 year. I called to get a paid in full letter and they stated I needed to pay all interest, court cost, etc in order to consider this loan paid in full. My agreement with their legal department was to pay my principal balance only. I believe I was mislead by their representatives into entering into this agreement to pay my balance in full. Which I did pay in full, but now they want additional fees that were not including in my agreement.
Product: Money transfer, virtual currency, or money service

In XXXX, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX, -- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) paid in series of transactions within a short period of time in XXXX XXXX. Part of the this amount, or USD XXXX, -- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) were initiated through my account with WELLS FARGO. WELLS FARGO never warned me about potential risks associated with those payments. I have tried to resolve the issue with WELLS FARGO. On XXXX, a Letter of Demand claiming compensation was sent to the bank. On XXXX WELLS FARGO responded to me, but they failed to compensate me.
Product: Credit reporting

Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the copy of letter which was sended to credit bureaus and Capital One Bank NAME : XXXX XXXX XXXX : XXXX SSN : XXXX XXXX : XX/XX/1996 ADDRESS XXXX XXXX XXXX, XXXX XXXX CA XXXX SUBJECT : INVISTIGATION REQUEST! 
COPIES WILL BE SEND TO CAPITAL ONE, XXXX, XXXX, XXXX Hi dear Capital One, XXXX, XXXX and XXXX. This letter and attached copies will be mailed to Capital One Team, XXXX, XXXX, XXXX. Because of none professional representative of Capital One i got reported late payment on my 3 credit bureaus and loose about XXXX points, i attached my credit reports, screenshots of points that loose, prove that i have enough to make my payments on time. 2 months ago without any explanation my credit card of capital one was closed, on XXXX i was diagnosed XXXX  XXXX and get XXXX because i have a XXXX too and my health was critical, because of that i was not able to track my checking accounts and my checking accounts where closed, at XXXX of XXXX or XXXX of XXXX ( i can't remember exactly date ) i got a call from capital one regarding my payment and was informed that my payment was returned which i did on XX/XX/XXXX for fully close my balance with Capital One Bank , i told him my health problems and that i am XXXX he told me don't worry we are here to help you we have a program for XXXX and i will put a note on your account to not report a late payment and will wave out late fees and will give you extension. please give us a call when you will have a chance to make a payment i didn't know about THAT PROGRAM EVEN! and today i got a notifications from bureaus that i got reported a late payment on my reports, i called a capital one after speaking about 1 hour and 43 minute with 4 representatives last representative who was from fraud department try to get out from headache and told me that i need to go with my bureaus to resolve situation! and only after pushing several times rep told me address where i can send invistigation request and explanation! Now because of capital one representative i got reported late payment on my credit bureaus which destroyed my life! i am in mortgage refinancing process and now i will get a decline from bank because of UNPROFESSIONAL team of Capital One! if you will check my credit you will see that it's my first late account in my whole life and my credit report are about 20 account from different banks, i have a lot of auto loans and mortgage and no one of them where reported late payment on my credit report! please take a look on this! i am authorizing to take a payment of full balance XXXX $ from my new checking account of XXXX XXXX  account number XXXX routing number XXXX BUT I AM AUTHORIZING TO PROCESS PAYMENT ONLY AFTER THAT WHEN CAPITAL ONE TEAM WILL REPORT CREDIT BUREAUS THAT I GOT REPORTED LATE PAYMENT ON MY CREDIT BUREAUS BECAUSE BY THE FAULT OF THEIR REPRESENTATIVE! UNTIL THAT I AM NOT AUTHORIZING ANY ONE PENNY PAYMENT AND WILL NOT DO ANY PAYMENT UNTIL SITUATION WILL BE RESOLVED!
Product: Credit reporting or other personal consumer reports

I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.
Product: Debt collection

I received a call today ( Monday XXXX XXXX at XXXX AM MST ) from XXXX Receivable Services from a Utah telephone number. The company is based in New York! ( deceptive ). When I called back, I asked the representative multiple times the reason for the call, but he wanted me to verify my personal information first. I assumed this call was from a debt collector, but he DID NOT disclose this information at all. Even after I asked if that was the case! He terminated the call when I refused to verify the last four digits of my social security number. 

I called back and spoke to a supervisor, who also refused to disclose " This communication is from a debt collector, and all information will be used for that purpose. '' She went back/forth with me trying to get me to verify my identification BEFORE she would tell me this call was from a debt collector. Eventually, in order to figure what was really going on, I did verify my identity and was given the above quoted statement. 

I find this EXTREMELY deceptive, and misleading. Although there was no profane language used, the woman was unprofessional and clearly did not understand the gravity of the situation. 

Perhaps I misunderstand the FDCPA, but I was under the impression ANYONE calling you with the intent to collect a debt must disclose this information immediately. 

I would like to have XXXX XXXX XXXX investigated for likely abuse and violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on Equifax. They assumed responsibility of my credit report ( 15 U.S. Code $ 1681a Congressional findings and statement of purpose # 3 ). Congress made it clear that Equifax assumed this role, and I never gave them my consent. Equifax did not have my consent and they violated my privacy by sharing my consumer history with financial institutions without consent ( Title 15 US Code 6821 ). They have tarnished my consumer report. Equifax was being unfair, impartial, and didn't respect my right to privacy.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
ATTORNEY GENERALXXXX XXXX Balance {$49000.00} ATTORNEY GENERAL-CHI XXXX Balance {$58000.00} CAPITAL ONXXXX XXXX Balance {$230.00} OAG XXXXXXXX XXXX XXXX XXXX Balance {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable
Product: Debt collection

the accounts mentioned does not belong to me nor did I have any knowledge of the accounts the accounts are as following finance system of Toledo XX/XX/XXXX {$100.00} XXXX {$64.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$470.00} the accounts are result of someone using my personal information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I wrote and mailed a dispute letter to experian on XX/XX/XXXX 2. The responsed with a letter on XX/XX/XXXX stating that the account in question was verified by creditor but provided no documenation or  evidence 3. I called them on two occassions XX/XX/XXXX and XX/XX/XXXX to delete this account from my credit report and both times were denied My next step is to start ligitation against experian
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX XXXX  Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 2. 1681i. Procedure in case of disputed accuracy XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 1681n. Civil liability for willful noncompliance XXXX XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
4. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX 
Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 5. 1681s - Administrative enforcement XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
6. 15 U.S Code 1681q. Obtaining information under false pretenses XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
7. 1681n. Civil liability for willful noncompliance XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Vehicle loan or lease

I currently obtained an auto loan through Hyundai Motor Finance in XXXX of XXXX. I am trying to pay my loan off faster. When I go online to make a payment there is no principal only payment or additional principal payment option. It will only allow me to make a payment. I called the company today and was informed that I am correct. They do not offer these options. The individual who was helping me at Hyundai Motor Finance call center said I can make a payment, then wait three days, call the finance department to then apply that payment to principal only. I will have to do this every single month, as I plan on making an additional principal only payment every month. Not only is this a complete hassle for the consumer, but I deal the company is making it hard to pay off the loan in a quicker manner. This in turn costs me more money and ensures they make more money. This is bad business practice and I find it cunning and unethical. I would like to see an option on the online payment screen to offer additional principal and principal only options. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account ... .., equifax and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and but if you look at the XXXX  year payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights look at the account numbers being reported as they differ XXXX and XXXX... one has a - in fromnt this in inaccurate... all 3 cant be accurate and therefore they are violating my consumer rights
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  these accounts has violated my rights Under_ 15 U.S.C 1681 section A. states I have the right to privacy. 15 U.S. Code 1681e ( bAccuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer. or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report,
immediately : Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Money transfer, virtual currency, or money service

TradeStation is falsely claiming that they are unable to withdraw my funds to my linked bank account XXXX XXXX XXXX XXXX XXXX. I have had this bank account for over a decade and I do weekly ACH transfers. There is absolutely no reason why my withdrawal / transfer request should not be processed. 

Because TradeStation falsely claims they were unable to process the ACH transfer / withdrawal of my funds, I was informed over chat by TradeStation that they have DISABLED ACH transfers for my account. 

All of this is unacceptable. I want to withdraw my funds from my account into my bank account immediately. 

Furthermore, there should be {$610.00} in my TradeStation account but when I checked my account balance after this " issue '' started, it is currently showing me a {$580.00} balance. I don't understand what is going on. The ACH " SmartTransfer '' ( ACH ) issue is on TradeStation 's end. It's the same bank account that I have used for over 10 years, every week for transfers, I have never had a failed transfer. There is an issue on TradeStation 's end.

I reached out to this company multiple times and they did not provide any help or resolution. Nor were they understanding at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7.US DEPARTMENT OF EDU XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX 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

Had a card with XXXX XXXX XXXX XXXX XXXX Account defaulted. I called to settle the account. I asked them if they would do a Pay delete deal. They told me if I paid the settlement amount they would remove the account from all 3 credit bureaus. I paid the amount they asked for but it is still showing on all 3 bureaus and affecting my credit.
Product: Checking or savings account

On XX/XX/XXXX. I was charged {$XXXX} for {$XXXX of product and as of yet, have not gotten a return. Supposedly it will be resolved by XX/XX/XXXX, however, last month I had a similar issue and it was not resolved.