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

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

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account be deleted from my consumer report. 

Account- XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.

Thank you, XXXX XXXX
Product: Credit card or prepaid card

L

ogged into account to find out it was closed with no notice. Called customer service and they can not explain why I wasnt notified. Said it was in activity for 2 years but I. The account is a summary from 2019 with transactions on it. Rep put in to see if it can be reopened ( not holding my breathe ) and that Id receive a letter, we shall see. Also stated she would put a complaint in.
Product: Credit card or prepaid card

I opened an apple credit card issued by Goldman Sachs on XX/XX/2022. 
Ive been using my card everyday since as I am a big fan of the cash back, and Id like a credit line increase, Ive spent thousands of dollars since opening and never had a issue with a payment, my card is declining while I still have a good amount of credit left to spend, I am a heavy spender and I have a lot of money. Im XXXX shopping. Goldman Sachs bank is running my XXXX and has LOCKED/ RESTRICTED MY ACCOUNT, and will not give me a reason why, or any information at all. Ive read reviews from other people who have had this happen and cards locked for months on end, Ive contacted them and they have made no attempt to fix my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the presence of debt collection accounts on my credit report that are associated with debt collectors who have been banned by the Federal Trade Commission ( FTC ). These accounts are inaccurrate, misleading, and violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1692 ET SEQ.

The following debt collectors, who have been banned by the FTC, are currently listed on my credit reports : XXXX. XXXX XXXX XXXX, {$450.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$700.00}, opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX  {$2900.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$260.00}, XX/XX/XXXX These entities have been prohited from engaging in debt collection activities by the FTC due to unlawful practices, including but not limited to deceptive, abusive, and unfair practices in violation of the FDCPA and the FTC Act, 15 U.S.C. 45. Despite their banned status, their acccounts continue to appear on my credit report, causing significant harm to my creditworthiness and financial well-being. 

Also, I have asked repetitively that addresses XXXX XXXX XXXX, XXXX MD XXXX AND XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MD XXXX be removed from my reports as i have updated my address with necessary creditors, and these addresses are still being reported in my reports.
Product: Credit reporting or other personal consumer reports

DISCRIMINATION of my credit profile and VIOLATION of the Privacy Act of 1974 ( The selling of my personal information )
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from CAPITAL ONE BANK with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my XXXX XXXX XXXX per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and CAPITAL ONE BANK would make me legally bonded to any debt that they may claim. I have never provided any wet signature or XXXX XXXX XXXX to this company on any agreement. 
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.

I have not received any debt validation notice from CAPITAL ONE BANK as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that CAPITAL ONE BANK has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed 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 XXXX XXXX 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

Need my credit reports deleted someone got ahold of my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert for a hard inquiry from Rocket Mortgage that was not authorized. I advised Rocket Mortgage that this was un-authorized and they fail to assist in removing the inquiry off my credit report. 

In addition I have XXXX several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) documentations, They have consistently lied about obtain legible documents despite having agents read the documents to me. They have refused to remove the inquiry after providing the documentations as requested.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of XXXX and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment. 
Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account was charged off in XX/XX/year>. However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

nca has never sent me a bill or verification for this debt with the XXXX XXXX XXXX  I do not agree to owing this debt. I would like the credit bureau to investigate and require NCA to show proof that I owe this debt to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I applied for a loan online and the company stated they needed a credit report from Transunion to complete the application and forwarded me to a transunion website. The website stated it would forward the company a report for {$1.00}. 

I never saw the credit report they were supposed to be forwarding to the loan company and today I got a bill on my account for {$20.00}. When I called to cancel the debt I got a lecture from someone speaking broken English about the legal sufficiency of their charge and a lot of XXXX about identifying myself and the importance of a transunion credit report for job searches, and credit matters, but no action on removing the charges and no action on cancelling the recurrent debit. 

The customer service rep acted as though he was a lawyer and career adviser but failed to address the issue about the debt. The Transunion rep claimed that in agreeing to purchase the {$1.00} one time report I agreed to a recurring debit and it stated so on the website. The website may mention something about a recurring debit but it is not in a clear an umambiguous fashion. To hide a recurring charge in the fine print shoutd be illegal and is at best unethical. Moreover, the day I noticed the charge ( which is today ) is the same day the charge was made and the same day I contacted them. Now they are trying to insist that those charges were earned. The only thing I received from them was an invitation to register for their services, I never logged in, or accessed their services in any way. I never received an e-mail acknowledging the recurring debit. XXXX, I don't even know if the lender ever received the report I was seeking to send them, which led me to transunion 's web site in the first place. Is transunion pretending to be a lender just to get people entrapped in their recurring debit scam?. 

I would like the FTC to look into this type of practice and force the credit reporting agencies to make sure the consumer acknowledges specifically separate and apart form their {$1.00} promotion any recurring charges. Moreover, Transunion should be forced to return my {$19.00} cancel any future charges they plan to make on my account and their customer service personnel need to be retrained to understand when a person calls to cancel a service it is not up to them to make the caller feel like he is guilty of being inattentive and at worst stupid for wanting to cancel a service they did not seek out. All they had to do was cancel the service and instead they try to make you feel like " if you are nice we won't continue to cheat you! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a copy my dispute letter to experian on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility
Product: Credit card or prepaid card

Happy Saturday and hope you're safe and sound during covid/pandemic ; God Vacinated yet? Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SHELLPOINT MORTGAGE SERVICING is NEGATIVELY AFFECTING MY CREDIT and I am NOT in ARREARS! A few months ago, I switched to a bi-monthly pay system so they actually take half my payment 2 weeks EARLY and the balance on the due date. 

I have XXXX credit monitoring set up so I just received notification that Shellpoint has been posting derrogatory activity every month since this started!?! I have had numerous complaints about this company fro Day XXXX  Why is this company not being investigated for their mistakes and horrible service??? My score has dropped from XXXX to XXXX as a result!!! I WANT THIS FIXED IMMEDIATELY!!
Product: Mortgage

Bank of America is not letting me settle or payoff my account. They are not even giving me a payoff demand letter on my account even after multiple request. I am trying to do short sale and they are in the 2nd position and they holding up the whole process for short sale. 1st line is already approved for short sale but due to bank of America not issuing a payoff or short sale approval I am not being to close on the property.
Product: Debt collection

I was in the process of purchasing my first home and an inquiry was made on my credit score on XX/XX/XXXX. On the credit report there was a debt in the amount of {$850.00} for XXXX XXXX that I received at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Louisiana on XX/XX/XXXX. I never received a bill for the hospital visit on this date and the debt went to two collection agencies. The first collection agency was the XXXX XXXX XXXX  which closed the account on XX/XX/XXXX, and sold it to Dynamic Recovery Solutions. I contacted the hospital 's billing department and spoke to a representative to get the matter resolved. According to the representative that I spoke to, who specifically stated that I did not owe the debt and that it was invalid due to a billing error. I received documentation in the mail from the hospital proving that I did not owe the debt and I sent it to both collection agencies. The collection agency ( Dynamic Recovery Solutions ) that currently holds the debt, refused to discharge it despite the evidence. I filed a dispute of the debt on XX/XX/XXXX. A representative from the collection agency told me that the dispute would be concluded within 60 days. The deadline has passed, and the account is still in dispute with no specific date when it will conclude.
Product: Credit reporting or other personal consumer reports

Kohls account has been settled. This account is still showing potentially negative on my account.
Product: Credit reporting or other personal consumer reports

Throughout, I've maintained timely payments on this account, ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The XXXX, XXXX and Transunion all refuse to do their required job and confirm and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion verified a collection account on my credit report as being accurate. I sent a letter requesting the method in which they verified the letter on XX/XX/2019. They sent a letter on how to read the re-investigation back on XX/XX/2019. This was not what I requested they are in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Debt collection

Credit Acceptance Corp has been filing false information to all three credit bureaus in regards to the repossesion and last reported payment to extend credit reporting I have never made any payments in the year of XXXX  in fact my last reporting of a payment received was almost nine years ago or more they are refusing to remove this from my credit report when filing disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputed with Transunion, XXXX, and XXXX on numerous occasions, and they have not responded to ANY of my requests AT ALL. Each and every letter was mailed certified, and tracking from XXXX proves each letter was received by all three agencies. I am tired of being treated unfairly! I informed them over and over again that my credit report has many inaccuracies. I also informed them that I have reason to believe that my right to privacy is being violated. XXXX believe that my personal and private information has is being shared with and disclosed to third parties without my consent. I am sure this is against the law, because no consent means that it is identity theft. These are the items listed on my report that I have been requesting a thorough investigation for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Reporting FIVE TIMES! ] ; XXXX XXXX XXXX XXXXXXXX [ Also reporting FIVE TIMES! ] and XXXX XXXX XXXX XXXX ; Also, XXXX XXXX XXXX XXXX [ No account number listed on my reports ] is reporting SEVEN TIMES! Please send them a dispute request as well. Lastly, DEPT OF EDUCATIONXXXX XXXX is reporting EIGHT TIMES! I never had any missed payments, but they are reporting that I did. Please have them change the status supposed late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to reflect paid on time. ONLY if they choose not to correct the status of those dates, please have them remove all XXXX accounts for reporting inaccurate data. They have two of the late payments listed as 90 days, and the other two late payments as 120 days. How is this possible?? Isn't there supposed to be 30 day and 60 day first? How is ONE alleged missed payment reporting both 90 and 120 days late?? Overall, this matter has been causing me entirely too much stress. I could have also saved valuable resources such as time, energy, and money fighting this issue.
Product: Credit reporting or other personal consumer reports

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX