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

I sent a request to you to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
US DEPT ED XXXX Balance : {$990.00} US DEPT ED XXXX Balance : {$1000.00} - US DEPT ED XXXX Balance : {$680.00} - US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

I reported this twice with both Transunion and XXXX and lastly XXXX  via It has come to my attention that XXXX XXXX has flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices.

Furthermore, 12 CFR 1016.4 clearly stipulates the necessity of an initial privacy notice to customers and consumers alike. Every company, including XXXX XXXX, XXXX, XXXX, transunion are mandated to furnish a clear and conspicuous notice that accurately reflects their privacy policies and practices before they contribute any information to a consumer report. This provision serves as a fundamental safeguard of consumer privacy. 

My concern is not limited to these regulatory oversights ; it extends to the broader implications for my financial well-being and personal privacy. The Fair Credit Reporting Act and Privacy Act of 1974 are in place to protect consumers like me from unauthorized disclosures and safeguard our sensitive information. XXXX XXXXXXXX XXXX, actions, or lack thereof, represent a serious breach of these vital safeguards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motors Acceptance Company ( NMAC ) Loan  #  XXXX .   XXXX  I have requested that this company report all my loan payoffs, as well as the payment in full for the vehicle to all  XXXX  credit bureaus, which they have refused to do.   XXXX  They stated the law prevents them from reporting the full payment history as I listed the loan in my bankruptcy. They stated even though I am willing to give them written permission to report the payments they are forbidden from reporting the payments.   XXXX  My mortgage company, who was also listed in the bankruptcy, is reporting my payments after I gave them written permission, and I find it quite difficult to believe there is a different law for automobile loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a block and deletion of fraudulent information related to a recent data breach incident involving my personal information.

Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following account from my credit report : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$16000.00}
Product: Credit card or prepaid card

I was approved for Marriott XXXX XXXX Card with a 5 free nights ( XXXX each night ) on XX/XX/22 and will get the rewards once I met the spending requirement of $ XXXX. The Chase company customer service told me today XX/XX/22 that the last day to meet the spending requirement is XX/XX/22 but I HAVE NOT RECEIVED THE CARD YET AS OF TODAY, per customer service the card is en route as it was sent on XX/XX/22.
Product: Credit reporting or other personal consumer reports

Original complaint : There are XXXX XXXX XXXX XXXX accounts on my credit report that are reporting inaccurate information. Trans union Credit bureau or XXXX XXXX XXXX is claiming that these accounts were closed in XXXX of XXXX which is incorrect. they had previously claimed they were closed in XXXX of XXXX which is also incorrect. In fact both of these accounts were closed in XXXX of XXXX. Attached are the XXXX bureau credit reports from XXXX of XXXX which clearly state that both of the XXXX XXXX XXXX accounts are closed. This is very deceptive and costly and would like these XXXX accounts removed from my trans union credit report. I have disputed this with trans union and XXXX XXXX XXXX and trans union stated as accurate. XXXX XXXX XXXX never responded. I recently found the credit reports form XXXX to solidify my claim. 
ACCOUNTS WERE UPDATED TO ACCOUNTS CLOSED IN XXXX 0F XXXX WHICH IS STILL INCORRECT! 
ACCOUNTS WERE CLOSED IN XXXX!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have filed multiple disputes with Experian concerning a water bill account that Experian continues to report monthly. The documents provided by the City of XXXX do not match the information displayed on my credit report. This discrepancy may constitute violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of consumer reporting. In addition, Ive highlighted the concerns regarding the billing process for City of XXXX. For example, Previous Reading is XX/XX/year>, reading 0. However, the next day XX/XX/year> reads XXXX gallons of water. This amount would fill approximately XXXX standard-sized bathtubs! Their billing practices are deceptive, immoral and inaccurate! Evidence attached!
Product: Checking or savings account

A couple weeks ago ( over a month ), I zelled some money to my live in boyfriend here in America, like I always do. My zelle transaction was intercepted by bank of America, because apparently, I use the word " XXXX '' in my description to remind me which bill I reimbursed for. Other bills were named on the note, but the only zeroed in on the word " XXXX ''. I contacted bank of a America incessantly, about my funds with no resolution. Every time I contact Bank of America, I am told by various people, including supervisors that my money is under investigation. What does that mean? I am an American, my boyfriend is an American, what is the problem? They ask me tons of questions, I explained that I am reimbursing my boyfriend for money he paid out for me. We ordered XXXX XXXX from an American company paying with an American credit card. No cash. XXXX is an American corporation. He used an American credit card to reserve accomodations for us in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft or fraudulent activity. These inaccuracies are affecting my creditworthiness and my ability to obtain credit and financial services. I kindly request that you investigate and remove these fraudulent items as soon as possible. 

I have attached supporting documentation, including a copy of the police report I filed regarding the identity theft and any relevant correspondence with the creditors involved. These documents provide evidence that I did not open or authorize these fraudulent accounts or inquiries. 

I am well aware of my rights under the Fair Credit Reporting Act and request that you conduct a thorough investigation into these fraudulent items. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In compliance with the law, I also request a written explanation of the steps you have taken during your investigation and any updates or changes made to my credit report as a result. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024 I checked my email after being away for XXXX XXXX XXXX  weekend and saw that I received an email from CapitalOne on XX/XX/2024 at XXXX stating that I had a payment due. I rarely use this card, so I only visit the CapitalOne site when I get notifications. When I went onto the the site at XXXX, I saw that my {$39.00} annual fee was due on XX/XX/2024 and because I missed the payment date by 14 hours, I was charged a late fee of {$25.00}. 

I immediately called CapitalOne customer service. I asked that since I am meticulous about not missing payments ( I am very on top of this in all of my accounting ) can that {$25.00} fee be forgiven? I also stated that I don't think that 5 days, only 2 of them business days with the XXXX XXXX XXXX XXXX, is enough notice to expect someone to pay for an annual fee on a card that they don't use regularly with a {$0.00} balance. I was told that the fee could not be forgiven. I asked to speak with a manager, XXXX. XXXX was very kind, but she also let me know that the fee could not be forgiven. 

I told XXXX that I think that this is a sneaky business practice. {$25.00} may be a small amount of money, but how many people are being charged a {$25.00} late fee on an annual fee for a card they don't use often? 5 days ( only 2 business days ) is not enough notice. I have a near perfect credit score. I do not miss payments. She said she would send my complaint to supervisors. 

This seems unethical to me. I paid my bill and the fee to avoid further issues, but I hope to be refunded the {$25.00}. I also hope to make CapitalOne aware that this is an unfair business practice so that it doesn't continue to happen to others. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account nor did I authorize these credit inquiries.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX  Account number : XXXX You have this account balance as {$24000.00} but the current account balance is $ XXXX have attached a screenshot of this account information below
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  XXXX Account XXXX Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account Number XXXX XXXXXXXX Account Name : XXXX  Account NumberXXXX  Account Name : XXXX  Account NumberXXXX Account Name : NCB Account NumberXXXX  has violated my rights. Or a 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 reporting, credit repair services, or other personal consumer reports

Equifax is publishing inaccurate information on my consumer report they are reporting that my balance on my freedom loan is at {$9000.00} when the balance is {$8600.00} XXXX and XXXX  has the correct balance reporting but the balance that Equifax is reporting is inaccurate and is stopping me from obtaining additional credit because it looks as if I am over the original balance that was given to me when am not. I will send screenshots from XXXX and XXXX  and also show proof that Equifax is reporting an inaccurate balance I would like this to be updated immediately to the correct balance thank you.
Product: Payday loan, title loan, or personal loan

Applied for a loan, got denied credit, which then resulted in an adverse action. I contacted SoFo Lending Corp. at their XXXX XXXX, UT location like instructed in the adverse action, never got a response. I have been discriminated and violated against, as a federally protected consumer.
Product: Payday loan, title loan, or personal loan

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$7000.00} account # XXXX 30 days late in XX/XX/2021.
Product: Credit card or prepaid card

Hi, I have been working with Capital One on a fraud account that was opened by my ex fianc in my name. He opened up with account without my permission or knowledge and quickly racked up around {$7000.00} on the card. I found out about it through a credit monitoring account. I have provided Capital One with a police report and also two letters proving that I was not around or able to make charges during the time when most of the charges were made. It not only took extremely long for Capital One to get back to me when I first reported it, they never even sent me an update. I found out the status through pulling my credit report that they were holding me responsible. I then refiled the fraud complaint, provided all of the information around where I was during the time the card was being used but they are still holding me accountable stating that I opened the account. My ex was able to open the account because one of those mail flyers came in the mail and he has all my information plus knows how to sign my name. I did not open this account and will not pay them for this. Their customer service has been ridiculous and has taken almost an entire year to sort through this only to tell me, no they are holding me responsible. I am absolutely disgusted with their lack of investigating and outcome of this. I found out my ex was even having the statements sent to his email so I wouldn't see them! They should have this in their system showing who they were going to, right?? I am a single mother, and I can't afford to pay nearly {$7000.00} for something that I did not do. Capital One needs to take responsibility for sending consumers these old school flyers allowing people to have these accounts opened up by scam artists. These days these shouldn't even be lawful. Fraud is so prevalent that I am shocked these are still used.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX XXXX XXXX number xxxxxxxxxxx XXXX payments late years XXXX. 

In accordance with the fair credit reporting act, public law XXXX, title VI, section XXXX, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a XXXX who attend the school in XXXX. I used my XXXX  XXXX XXXX  XXXX with all my expenses covered through it yet somehow I have an outstanding XXXX loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the XXXX XXXX works. Please help.
Product: Credit card or prepaid card

In XX/XX/2018 I made an online payment of {$170.00} to Citi using my checking account. After making the payment I was told by Citibank customer service that my funds were available immediately for cash advance or purchase. However, when I attempted to get a cash advance, it was declined. I spent the next 3 days arguing with Citibank about the misinformation they had given me. I was travelling and needed the funds for an emergency. I informed Citibank that since they had erroneously told me that I could get cash that I would have to take the cash from my checking account. This would make my payment to Citi return. I asked them to cancel transaction, but they claimed they could not. I spoke to someone named XXXX in the escalated customer service office and she was completely unhelpful. She lied and stated that she would listen to phone calls between myself and Citi representatives. If she had done so, she would have heard the misinformation given. Citibank does not want to take responsibility for creating this returned item. Instead they want to collect a {$25.00} returned item fee. I'm sure this is happening to other customers and they need to be investigated and fined. Just another way for greedy corporations to cheat people out of money. People like XXXX and XXXX from corporate escalations are part of the problem.
Product: Debt collection

I was a XXXX XXXX seeking student at XXXX XXXX University a few years back but abruptly was prevented from taking another course due to " not signing a letter that I accepted the private loan via Sallie Mae ''. When I signed up for the course I went online to to officially aquire student loans to attend XXXX  school. Then I received a letter from XXXX stating that I can not take any more courses until I pay {$2000.00} in cash and then I can reapply but when I tried contacting the bursar office they claimed that I should have received a letter in the mail that needed my signature to approve the loan. Well at the time, I was living at my parents home helping pay their mortgage because the home was under forclosure. My parents ended up losing their home but I still never received a letter from the XXXX Bursar stating that I needed a signature for the loan. Now I am seeing a creditor asking for {$3400.00} which another XXXX dollars added on to the original amount owed. Can you say price gouging? There is an epidemic of teachers and former college students that went through the very same situation. Can you say scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , I moved into apartment  XXXX  of   XXXX   XXXX   which is managed by  XXXX   XXXX   XXXX . Shortly after moving in, I experienced electrical problems that caused the stove, heat, and electrical plugs not to work at times. These issues were not completed until  XXXX   XXXX  when  XXXX   XXXX  refused to come out again unless  XXXX   XXXX  installed the proper conductor so that the apartment could get the appropriate wattage. Then in the  XXXX   XXXX , there were days of heavy rain which began to seep into my guest bedroom. This caused mold and destroyed my dresser and clothes that were in the dresser. After three months, the issue still was not rectified. For this reason, I was forced to terminate by lease early by two months. I filed a civil suit against  XXXX   XXXX   XXXX  to waive the two months rent, court cost, lost wages, and the price of the   XXXX   for moving.  XXXX   XXXX   XXXX   XXXX   XXXX  a counter suit for the two month 's rent, court cost, and attorney 's fees. Ultimately, the judge dismissed both cases. There is no judgement stating that I owe  XXXX   XXXX   XXXX   XXXX  anything. Nevertheless, they turned my file over to a third party, Rent Recovery Solutions, and this third party has placed this fraudulent debt on my credit report. This is a direct violation of the Fair Credit Reporting Act, and this injustice is negatively impacting by ability to purchase a home. I am scheduled to close on my home on  XXXX   XXXX , but it may not happen because of this deceptive and fraudulent activity. I do not see how this is legal when I have a copy of the order proving that both cases were dismissed. Furthermore, I was a long time tenant of  XXXX   XXXX  dating back as far as  XXXX , and I always paid my rent on time. I have attached a copy of this order for your review ; therefore, this fraudulent entry needs to be removed from my credit profile immediately.