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

Credit Account Number : XXXX I tried to dispute a late payment reported on my credit file with all 3 credit bureaus for the account with XXXX XXXX XXXX account number XXXX. After submitting my dispute letters with proof to all 3 credit bureaus Experian and Transunion sent me a generic email response with no information as to why the late payment wasn't removed but instead they just updated the recent payment amount ( as shown in the before and after dispute picture ) despite sending valid proof. I asked why they didn't remove it and for proof of a proper investigation was done and I have yet to get a response. And Equifax has not responded to my dispute after 30 days.

This late payment is inaccurate and I request that it be removed from my credit report under the Fair Credit Reporting Act. 
The issue in question concerns a late payment for the billing cycle of XX/XX/year>. This account is set up for automatic payments, and I verified multiple times during XXXX that autopay was active. Additionally, I had sufficient funds in my bank account to cover the payment, my card has always been active, and was submitted properly. which further supports that this late payment was not an error made by me. 

In addition : Fair Credit Reporting Act violation 15 U.S. Code 1681e - Compliance procedures. There are multiple discrepancies in the report even after they all updated the report once I submitted the dispute with all 3 credit companies. There is a file I added of the credit report where I have circled each discrepancy and inaccurate reporting. 
Link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 




To support my claim, I have included the following documents : -A screenshot and confirmation of autopay being active and autopay working in XXXX and XXXX. 
-Bank statements of XXXX, XXXX, and XXXX showing sufficient funds during the billing period. 
-Email with XXXX XXXX confirming autopay and that the payment was made.

-My Letter to the credit bureaus proving I asked for a written response to this dispute, detailing findings and any changes made to my credit file. 
- The XXXX and XXXX payments. 


-Screenshot of the credit report where I have circled each discrepancy and inaccurate reporting.
Product: Credit card or prepaid card

Citi bank has charged me a XXXX dollar fee because THEY attempted to charge an account I didn't provide them. I've made multiple {$100.00} dollar payments over the past few months with no issues. In addition to that I set up a {$20.00} auto payment. 

The most recent payment didn't go through but my {$100.00} payment went through 2 days later without any issues. When I go to my autopay settings their is only the one account ending in XXXX. And I can not cancel autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Product: Debt collection

From XXXX I have been receiving harrassing and repeated phone calls from XXXX XXXX in regards to my car payment that I am currently behind on Dud to Covid -19 which my hours were cut .. I asked the rep if she could assist me to help me get on track by asking if she could defer my payment. XXXX told me in a very rude way that I needed to make my payment or she was going to repo my car. I then tried to explain to her that Im doing the best that I can an just needed the assistance since Ive gotten my hours back. And she began to talk to me as if I was a child and went on to belittle my situation that I was in due to covid. I have tried to Contact her manager and she told me I could not speak to him I had to deal with her only. When I did leave a message for him to call me back he had her to call me back and she threaten to take my car if I did not pay she calls an text me repeatedly to the point that its turned into harassment. Ive asked on numerous occasions to have another rep to work with because she is very nasty and rude.
Product: Debt collection

On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial.  Attached with this complaint for your records and investigation into ABC Financial is a XXXX dated email and confirmation of cancellation letter confirming the gym membership was cancelled. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. ABC Financial called me repeatedly and did not stop calling after I advised them to stop. ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringemen
t as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o
f 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer XXXX requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.
Product: Debt collection

they are calling regarding a debt my son owed from XXXX  ... .THIRTY THREE YEARS AGO - i have repeatedly told them I do not know where my son is, TO LEAVE ME THE XXXX ALONE but they continue harrassing me- calling both of my 2 numbers.. 
PLEASE MAKE THEM STOP HARRASSING ME OVER A DEBT OF MY ADULT SON FROM 33 XXXX  YEARS AGO!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX ( XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX ( DUPLICATE ) XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit card

Settled CAPITAL ONE Acct ending XXXX on XX/XX/year> posted to bank on XX/XX/year>. Had to pay debt collector XXXX & XXXX ( # XXXX ). XXXX amt {$3200.00} settled for {$2600.00}. Received settlement letter dated XX/XX/year> from the collecting attorneys XXXX XXXX XXXX showing XXXX balance. We've attempted to obtain the XXXX balance settlement letter from CAPITAL ONE at least XXXX times and each time they keep referring us to the collecting atttys. WE HAVE TO HAVE THE ONE COME DIRECTLY FROM CAPITAL ONE. We're trying to move as we lost our home during HURRICANE MILTON. We can not proceed without this letter coming from Capital One per the lender of the home we are trying to obtain. Please please please help us! We don't know what else to do. NO ONE IS WILLING TO HELP- EVERY PERSON WE'VE SPOKEN TO AT CAPITAL ONE DIRECTS US BACK TO THE DEBT COLLECTOR ATTORNEYS. We're frustrated and are still living in a home that has no flooring and a tarp on the roof so when it rains it pours into the home. There is no reason as to why they haven't been able to send the letter to us.
Product: Credit reporting or other personal consumer reports

Re

cent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. I am disputing the following negative items, which I strongly believe
may be linked to a data breach : XXXX XXXX XXXX XXXX - XXXX - {$XXXX} XXXX XXXX XXXX XXXX XXXX  - {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - {$XXXX} XXXXXXXX XXXX XXXX XXXX  XXXX {$XXXX} XXXX  - XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - {$XXXX} XXXX  XXXX  - XXXX - {$XXXX} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress.

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX CO-OP HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX, Account # XXXX Collections : XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX/XXXX/2024, One Main Financial out of XXXX PA texted me telling me my loan was in repossession. So I texted them back and got it all situated with a signed deferment which I have screenshots of the whole condescending conversation. Great ... everything was figured out over a span of two days of texting and waiting for them to reply to me 3 to 4 hours later. The deferment was signed on XX/XX/XXXX. THEN, on XX/XX/XXXX/24 ( Thursday ) I get another text from One Main Financial threatening to take my vehicle and pay them an ungodly amount right away. THIS IS AFTER THE SIGNED AGREEMENT FOR THE DEFERMENT. The amount of harassment is unbearable with this company. I get about a dozen phone calls a day. 4 on Thursday again, AFTER THE DEFERMENT WAS SIGNED AND AGREED UPON. One Main Financial is one of the worst companies to deal with, worse than the XXXX.
Product: Credit reporting or other personal consumer reports

i pulled my XXXX credit reports and discovered the enclosed frauduelent accounts
Product: Debt collection

This debt collection agency is falsely representing itself as a medical office. Their repeated calls during my working hours are disrupting my employment, and I have no record of the alleged debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 XXXX  STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX/XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Debt collection

THERE ARE SEVERAL THINGS ON MY CREDIT THAT IS NOT CORRECT AND NEEDS TO BE CORRECTED BECAUSE I REALLY DONT UNDERSTAND CREDIT THERE ARE SEVERAL INQUIRES AND ADDRESS AND ACCOUNTS TTHAT I DID NOT OPEN ON MY CREDIT REPORT. THE ADDRESS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Product: Checking or savings account

Account was closed due to fraud activity per bank of america, Check was deposit into account & funds was never withdrawn from the account and when check was returned, account was closed. Was made aware the account was overdrawn in the amount of {$64.00} on XX/XX/XXXX 30 days before account was reported to XXXX in the amount of {$1400.00}, Contacted bank on XX/XX/XXXX to dispute account was dispute was denied. Contacted XXXX on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX to file a dispute and dispute was denied. Please see email below received by BOA Bank of America Activity Alert PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Your account is overdrawn XXXX XXXX, We're letting you know your account is overdrawn and has insufficient funds. 
Here are the details of the activity : Insufficient funds amount : {$64.00} Fee assessed : {$0.00} Transaction paid : Yes Date : XX/XX/XXXX To prevent any additional fees and missed payments : 1. If you haven't done so already, deposit or transfer funds to bring your balance positive within 5 business days from the date shown above. Otherwise you'll receive an Extended Overdrawn Balance Charge. This charge would be in addition to any overdraft item fees already applied.

2. To keep scheduled online bill payments from being canceled due to insufficient funds, sign in to Online Banking Bill Pay to re-establish any recurring bill payments that weren't processed.

You can sign in to Online or Mobile Banking to review this activity, or contact us for help.

Security Icon Security Checkpoint To confirm the authenticity of messages from us, always look for this Security Checkpoint. You last signed in to Online Banking on XX/XX/XXXX.

Remember : Always look for your SiteKey before entering your Passcode. We'll ask you for your Online ID and Passcode when you sign in. 
This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. 
Read our Privacy Notice. 
Please don't reply directly to this automatically generated email message. 
Bank of America Email, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender XX/XX/XXXX XXXX XXXX XXXX XXXX. All rights reserved. 
This email was sent to : XXXX XXXX
Product: Checking or savings account

I paid a bill on the XXXX by phone. It was to XXXX. It immediately was deducted from my balance. The next day I transferred XXXX into the account. Then the next day the VA transferred XXXX into my account. Immediately I transferred XXXX into a separate account and had XXXX. I went to the ATM and withdrew XXXX  and the receipt said my AVAILABILE Balance was XXXX.

I then went to XXXX and spent XXXX which left my balance at XXXX.

When I called my bank they claimed my balance was XXXX and I was over drawn by XXXX   XXXX denies any purchase if funds are not available. My bank never approved any of my past XXXX transactions when there were no funds available and I have proof by ever email that states that the transaction was denied by my same bank. They stole the XXXX and claimed it was an XXXX  purchase. The first time I called they said it was the XXXX bill. The 2nd time they claimed it was a purchase I made for XXXX using my pin. The 3rd time I called back they claimed it was the XXXX  purchase but my account did not reflect the XXXX   available balance. They messed up the actual management of my account on a Saturday.XX/XX/2018. There are accounting errors and internal corruption at Navy Federal Credit Union.
Product: Debt collection

There is a Derogatory Collection account on my credit report. Reporting a Balance of {$900.00}. Im sending a complaint due to the fact that I dont owe this debt. I was XXXX   during the time this company laid me off which was wrongful. And I was not given a chance to contact anyone with the company to Dispute this matter. I dont owe any amount to this company.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Debt collection

I received notice on my job about a wage garnishment. However, I was not notified of a court hearing. This debt is on a credit card which I have not made any payments for over 10 years which far exceed the statue limitation on a debt in the state of Delaware. I have lived at my present address for over 8 years. I was not contacted over this time period. Nor did I make any payments. I was not notified where to send money. I do not remember having an account with this company.
Product: Mortgage

I went to US Bank to get a home equity line and the appraisal was completely botched. I mean they used comps that were a year old and average prices for my zip code were up 13.7 % versus last year. It appears that the appraiser was completely incompetent or the lending department gave him instructions on a number to come in at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account or a relationship with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. This alleged debt is listed on my consumer credit report. The alleged debt has not been validated.