23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid my XXXX bill in full in the amount of {$94.00}. XXXX XXXX ( Comenity ) payment was mailed with proper time to get to creditor. But they posted it one day after due date and charged me a late fee of XXXX and interest XXXX. I called the company and said this is bogus charges I will not pay, they said they would credit XXXX only to the account. At which time I said then I am closing this account. The balance owed was XXXX which I sent a letter in writing to close this account on XXXX XXXX with the cut up credit card and a check for {$14.00} check # XXXX to close this account and put it in writing. Then I received XXXX bill on XXXX XXXX and they had charged me another XXXX in late fees bringing my total to {$41.00}. I called again and said close this account I put it in writing 27 days ago, and they said well we never received it. Then on XXXX XXXX I received a letter responding to my request saying we cant close your account because this is not the correct balance. Over 30 days for them to respond to my letter is negligence and fraud on their part and a way to charge me another XXXX dollars. I feel they owe me the {$41.00} that I had to pay to close this account and the duress it put me under that they just kept charging late fee when account had been asked to be closed in XXXX. It is not a large amount but this is a matter of principle and fraud for charging fees that were not warranted.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted this company about a debt from a " loan '' that they say I owe. I am a federally protected consumer and they have violated my consumer protection rights. Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). They have violated several laws Truth in Lending & FDCPA. All of the laws that they are in violation of are listed in my attached letter. I demand that they XXXX  out the balance and remove all negative remarks to this account and also contact ALL of the consumer reporting agencies that they have this account reporting to and have them delete the account. I also never gave this company permission to send my information to any consumer reporting agency which is another violation.
Product: Credit card

Dear Sir/Madam : On XX/XX/year>, I applied for a Barclay 's Bank Wyndham Rewards Credit Card and received an immediate rejection. On XX/XX/year>, I received a copy of the denial letter that indicated no credit report was pulled because of the following reason : " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' I experienced a bankruptcy more than 15 years ago and it is apparent I am being blacklisted by Barclay 's Bank. 

Since my bankruptcy, I own my own home with XXXX of the mortgage already paid off, XXXX scores of XXXX ( XXXX ), XXXX ( XXXX ) XXXX and XXXX ( XXXX ), and I work for Combined Insurance making {$130000.00} per year. I clearly have the ability to pay my debts. 

It is my opinion that this is in violation of The Federal Equal Credit Opportunity Act. I am demanding a credit officer pull my credit report and review my application for credit.
Product: Debt or credit management

This lawyer didn't give me any services concerning XXXX XXXX XXXX XXXX, yet after she got her fees she did nothing as appointed XXXX by the company. I feel that she was part of the scam. She didn't work for me at all. This company has been in XXXX since the beginning of the year, which that when her fees was paid off. Which I feel that she should informed me than. Until I called her to ask why my bill was not getting paid, in the mean time I have spoken to her several times doing that time.
Product: Vehicle loan or lease

Gm financial has a Very slow billing system that doesn't update properly doesn't account for payments doesn't show all payments, Doesn't provide an accurate balance... The customer service is generally grossly incompetent with absolutely no follow up from this company about anything... They waste your time and essentially dismiss your concerns. This company 's policies and procedures essentially is consumer abuse... I would add that in the past their statements had no information at times But insisted there was nothing they could do... I have absolutely no confidence that this company will do anything about any complaint...
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian credit report and noticed that there were several incorrect variations to the spelling of my name, so I called to have them removed. The only correct spelling of my name is " XXXX XXXX XXXX '' per that is the way it is listed on my drivers license and social security card. There were over six variations, ( " XXXX XXXX '', " XXXX XXXX XXXX '' " XXXX XXXX 'XXXX ) etc. Today I called customer service and requested for this incorrect information to be removed, as well as incorrect addresses that are listed on my credit report. I was advised to contact the creditors directly regarding the spelling of my name as " XXXX XXXX XXXX '' because that is how they are reporting it. I'm not understanding how a creditor can dictate how my name is being listed on my personal credit report, especially if its incorrect. Moreover, when I contacted the alleged creditors, they stated that could not locate an account containing my name/dob/address. I previously disputed these accounts with Experian as not belonging to me, and they came back verified through Experian, but the creditors say they can't find the account. None of these accounts are listed on my XXXX credit report, which I am attaching as reference. Furthermore, the representative that I spoke to today misspelled my name AGAIN after I asked for it to be corrected ; it is now listed as " XXXX XXXX XXXX '' which again, is wrong. Experian is violating the Fair Credit Reporting Act by continuing to input misspelled variations of my name on my credit report, as well as addresses that does not belong to me. This is the only credit bureau that is causing me these problems. Again : My name is XXXX XXXX XXXX. 

My current and correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. Per the Fair Credit Reporting Act, an address that is not deliverable to me by mail must be deleted. Please delete all incorrect and previous addresses. 

I am attaching my drivers license, social security card, and a utility bill as proof of my identity. 

If these issues are not resolved I will file a complaint with the Attorney General. I look forward to a swift resolution to this matter.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed multiple account errors causing harm to my credit standings. I am requesting immediate action to remove any and all accounts which have been disputed as Experian violates federal law and my Consumer rights.
Product: Credit reporting or other personal consumer reports

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Georgia [ XXXX ] I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within 30 days of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Product: Debt collection

Checked my credit file. Notice a company showed up. Called then to inquire. Never opened a account with them. Rep named XXXX was very rude and insisted it was mines. Never signed any documents or received any funds.
Product: Credit reporting or other personal consumer reports

XXXX reaching out once again because my report continues to contain errors that are actively hurting my score. These inaccuracies are affecting my ability to secure loans, housing, and other financial opportunities. I am incredibly frustrated that this has not been resolved yet.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is unauthorized. I did not authorize this inquiry, and it is not related to any credit application or transaction that I have made. As such, I kindly request that you promptly remove this unauthorized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, XXXX and Transunion concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu. 

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Checking or savings account

I have attempted to link my checking account at PNC Bank to Savings and investing services like XXXX and XXXX, and their security protocols are not allowing me to do that. I have tried every avenue to link these accounts, and have verified security and  ownership of the accounts time and time again in an attempt to link them. It should not be this difficult to connect an account that I own to a third-party savings app.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your actions has caused me and my family XXXX XXXX and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed a dispute letter to XXXX and Transunion requesting them to remove unauthorized inquiries, derogatory remarks, and late payments. Many of these accounts fall under the statute of limitation and are misreporting on my credit report. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

Also, how did they complete this investigation?
Product: Credit card

I thought that I had resolved the fraud with the XXXXXXXX XXXX XXXX, I talked to someone about the card and the account being closed but in the last two months Ive received bank credit card statements from Goldman Sachs and the say that I have a balance on the card of {$3200.00}. I have a letter from them stating the account was closed and I talked to someone from their company saying the account was closed and since those I have received those two bank credit statements claiming I have a balance. Please any help is appreciated to be done with this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN RESPONSE TO EQUIFAX RESPONSE FOR COMPLAINT # XXXX. MY COMPLAINT WAS CLEAR DOCUMENTS I SUBMITTED WERE CLEAR. AND DELETION OF OF ACCOUNT THAT IS REPORTING 3 DIFFERENT REPORTINGS TO 3 DIFFERENT BUREAU. THAT IS CONSIDERED INACCURATE AND FALSE REPORTING. SO AGAIN MY COMPLAINT IS YOU HAVE NOT DONE A PROPER INVESTIGATION BECAUSE THE FACTS BEAR OUT THAT THE ACCOUNT IS BEING REPORTED DIFFERENTLY BY THE FURNISHER 3 DIFFERENT WAYS. IT'S SIMPLE AND CLEAR THAT IT CAN NOT BE ACCURATE THEREFORE IT MUST BE DELETED AND THAT WAS NOT DONE. SO MY COMPLAINTS READS AGAIN AS FOLLOWS. On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX  - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX- {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-XXXX, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them
Product: Credit reporting

My old XXXX credit card account that was included with my bankruptcy that was discharged last XXXX of 2014, still appears on my credit report and indicates " Account Status Open - Derogatory ''. The account is not open and should be listed as closed. This is negatively impacting my credit report and I would like it removed. 

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

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, TransUnion has not responded to my inquiry, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3600.00} For each of these accounts, I dispute the accuracy of the reported information and request the necessary corrections to be made on my credit report. The details of each account are as follows : XXXX XXXX XXXX XXXX : TransUnion erroneously reports that this account was late. However, I have never been late on any payments for this account. I request that TransUnion corrects or updates this inaccurate information on my credit report accordingly. 
XXXX XXXX XXXX : This account does not belong to me, and I have no association with XXXX XXXX XXXX. Therefore, I request that TransUnion removes this account from my credit report, as it is inaccurately listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Product: Debt collection

MOUTAINRUNSO is claiming that I owe them {$3200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

XXXX XXXX information XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Amount XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX. Vertification of debt and written statement of debt including the orginsl creditor name and contact number XXXX. Proof of oenership i requested that your agent has the legal autgority to collect this debt including a copy of the assignment or purchase agreement from the orginal creditor XXXX. Full acciunting history including all statements and transations relating to this debt. 
XXXX payments received relatedto the accouny XXXX. Any/all notification regarding debt XXXX. Provide any/ALL NOTIFICATIONS relating to a signef copy of agreement/contracts that demonstrate my obligations to pay this debt XXXX of your licensr and registrations requirements as required by relevant state and federal law R