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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CT XXXX
Product: Credit reporting

XXXX is mis reporting the date of last activity to Trans Union for my old LOC. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX ) however, on Trans Union it is reporting XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to obtain funding to start a business, and the potential creditor required that I sign up for XXXX. The funding process was going to take much longer than anticipated, and the credit monitoring free trial ran out. I suffered an accident that will prevent me from pursuing the business for some time, and I gave been unable to cancel the credit monitoring service. Every time I call, the wait time is in excess of 2 hours, and something always happens that forces me to hang up before talking to someone. I have been in the hospital for 2 weeks, and don't have the luxury to wait on the phone for two hours to talk to a rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX, 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. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loan accounts from the creditor Navient. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids XXXX from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A)  Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 	.	(B)  Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if 	.	(i)  the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and 	.	(ii)  the information is, in fact, inaccurate. XXXX only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. XXXX XXXX XXXX, 49 Mont. 46, 139 P. 999, 1001; People ex rel. XXXX XXXX XXXX, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in XXXX   investigation. XXXX is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from Navient confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.
Product: Credit card or prepaid card

I have had capital one credit cards for over 10 yrs.Never once have I ever filed a dispute Untill this year and it quite honestly it is the worst thing I could imagine that would come from capital one.The consumer and customer comes last. 

Purchase done on XX/XX/2022 USD {$1200.00} goods never recieved capital one sided with Merchant on XXXX card. 

Purchase done on XX/XX/2022 {$1400.00} goods never received.Disputed, capital one sided with merchant. 

Purchase done on XX/XX/2022 {$900.00} good never received.Disputed with capital one quicksilver again capital one sided with merchant. 

At this point am just sick and tired of this and I havent gotten any help from capital one.I need this charges reversed immediately.Im also going to contact the DOJ and senate banking committee on this practices.In my 10 yrs with this company never in a single day have I ever disputed charges Until this year and this is what i get
Product: Debt collection

This debt appeared when I refinanced my house recently.I inherited the house when my father passed away through probate.when I inherited the the house there was no debt accept for the original mortgage also I went through XXXX XXXXXXXX XX/XX/XXXX the second 1 filed XX/XX/XXXX My title company released the funds out of escrow and this was not a debt owed by me and was also listed on both of my XXXX  XXXX bankruptcies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a credit card with td bank. Since XXXX of this year I have tried to set it up so I can have my payment come out automatically each month. Each month it has not come out at all and then I get a late fee. I have contacted the company several times and each time I 'm told try again, its not our fault. Try again try again. They say they will reverse the late fees and do not. I have tried doing it through my bank on bill pay and same thing, the money does n't make it to them or come out of my account. I have tried making it over the phone through their automated system and still nothing. I do n't know what else to do. I refuse to pay late payments when I am trying to make my payment and its not working and they refuse to do anything.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding inaccurate information Macys has reported on my credit report. Specifically, the data provided by Macys is incorrect and does not accurately reflect my account status. 

I have attempted to address this issue directly with Macys and/or the credit bureaus, but the inaccuracies remain unresolved. This reporting violates the Fair Credit Reporting Act, which requires accurate and complete information. 

I request that the CFPB investigate this matter and ensure that Macys corrects or removes the inaccurate information promptly. 

Thank you for your attention.
Product: Vehicle loan or lease

On XX/XX/2021, I paid off the remaining balance on my XXXX XXXX. I then received a letter via US postal service dated XX/XX/2021, a scanned copy of which I have uploaded. The letterhead reads Toyota Financial Services. 

Per this letter, I am due a refund in the amount of {$140.00} for gap coverage per the sales contract and that a refund check would be mailed to me. 

Several weeks passed. No check. 

On XX/XX/2021, I called the toll-free number on the letter for Toyota Financial Services XXXX At this time, I was simply trying to get an estimate on when the check would be mailed to me. Because the hold time was excessive ( more than an hour ), I used the automated feature to save my place in line. No one ever called me back. 

I then called a different number for Toyota ( XXXX ). The representative there told me he spoke to Toyota Financial Services who spoke to XXXX XXXX XXXX ( which apparently administers dealerships in the south ) who told him the {$140.00} had been sent to the dealership where I purchased the car : XXXXXXXX XXXX XXXXXXXX. 

According to this representative, XXXX XXXX told him to tell me to call the dealership to have them send me the funds. 

I then called the dealership. The receptionist took my name and phone number and promised that someone would investigate the matter and call me back XX/XX/2021, during the afternoon. 
I never received a phone call. I called the dealership again. The receptionist suggested I call back XX/XX/2021, and talk to someone in accounting. I fail to see the utility in doing this after no one called me back on XX/XX/2021. 

Everyone involved here seems to be passing the buck. Further, I was promised a check would be mailed to me. The letter makes no mention about the funds being sent to the dealership and that I would have to work with XXXXXXXX XXXX XXXXXXXX to get the refund I am entitled to.
Product: Debt collection

I was trying to make a payment plan where my debt would be paid in XXXXour months but they said it wasn't a big enough payment they threatened to sue me. Because they didn't agree on my payment amount they restricted my account so I can no longer call them or go online to pay. This is with XXXX XXXX XXXX. They want me to send my payment in threw the mail. Their website says they value fairness. When I would call before all this they would bombard me with questions and try to force me into taking another loan out with them.
Product: Credit card

My bank XXXX XXXX had a hold on my account from XXXX from some fraud that I had. They stopped any payments of {$100.00} even that we're gon na be processed for my checking account. This also happened with my Credit XXXX bank account. Now it's happening with my XXXX card by synchrony bank. A payment I tried to process XXXX different times for {$100.00} even which was returned. But I recently made a payment of {$200.00} on XX/XX/XXXX and that was accepted then on XX/XX/XXXX I get a letter in the mail saying they closed my account and they won't reopen it even though they just accepted my payment and I explained everything. This is very upsetting. Everything is ok with my bank and the hold is off of {$100.00} even.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of XXXX  and discomfort and embarrassment.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 card or prepaid card

Capital One credit Card was opened under my name fraudulently between XXXX or XXXX of 2018 in the amount of {$200.00} or {$300.00}. I informed them it was not mine and the guy started harassing me and getting belligerent over the phone.
Product: Debt collection

I was not satisfied with the previous outcome of this complaint so I am submitting another one because this company continues to violate laws in place to protect consumers. Not only did they receive certified, notarized mail from me on XX/XX/2021 but they failed to respond as requested in the affidavit and debt validation letter. It has been well over 30 days and I have received nothing from this company and I still expect to be compensated for my troubles. Also, my car was coincidentally stolen last week so I will not be paying them a dime, but they owe me for the violations committed against myself, a consumer. They have failed to honor my rights as a consumer and are liable to remedy me and ANY judge would agree. They owe me a check totaling to {$9000.00} for the 9 violations committed and NOW, I'm sure it is more than that they owe. However, if they want to keep ignoring the laws put in place by congress, I will have to handle this a different way as they've left me no choice. Thank you.
Product: Debt collection

I have requested 4 times this company verify the debt through disputes. this company is great at dodging requests. ERC has a habit of losing items in the mail and consumer never recieve them. 

I have looked up many legal dockets where this has happened. I am requesting they verify the debt through this method not by mail. This company re-ages debts to continue to harrass consumers. Also, when you send the verification response make sure to include all disclosures and my rights. 

Also, have someone proof read your response for any typos. wouldnt want that to be your excuse.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent Consumer Adjustment Company a certified letter requesting Debt Validation. It has been 1 month, and 3 weeks and I have not received any response from this company. Under the FDCPA Practices Act, I have a right to request validation of the debt they say I owe. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter on XX/XX/XXXX, and the disputes with the XXXX credit bureaus over this collection came back as verified. This is clearly a violation and the FCRA, requires you to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. Please see debt validation letter and certified return receipt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian Credit Report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Resurgent /Lvnv Funding LLC , to XXXX , XXXX and XXXX. I discovered on 20 Errors on Each report. Which indicates that Resurgent /Lvnv Funding LLC broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Resurgent /Lvnv Funding LLC . via Certified US Mail, inquiring about the loans reported to my credit .They responded XX/XX/2019 with two different letters verifying the debt but also saying they were responsible for the debt.. They need to be held accountable for breaking the laws
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b such company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 This company listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX opened XX/XX/XXXX with late payments, XXXX XXXX opened XX/XX/XXXX, Affirm opened XX/XX/XXXX and XX/XX/XXXX. I have never been affiliated with these businesses.
Product: Student loan

I am trying to release my ex wife as a cosignor from my student loans as part of a court ordered divorce decree. I have not missed a payment and do n't plan on missin g one even though they have financially   XXXX   XXXX  . They denied releasing her and  now I am facing contempt of court because they wo n't switch cosignors or release the cosignor even though I have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding this matter.
Product: Payday loan, title loan, or personal loan

This is the second time CHASE BANK has " inexplicably '' suspended the line of credit I have on my home. ( " INEXPLICABLY '' WAS THE ACTUAL WORD USED BY CFPB IN SOLVING THIS ISSUE WITH CHASE BANK THE FIRST TIME. When I read the suspension notice on the 2nd page of my monthly loan statement I called the XXXX number as instructed by the bank. I spoke with " XXXX '' ( XX/XX/22 ) as he explained all home equity lines of credit had been suspended since the covid pandemic. After I asked why, until recently, I had been able to use the line without issue. I asked why, until recently, I had received " cash available for use '' in the monthly statement. XXXX hung up. The conversation was recorded. I then went to the XXXX XXXX, Ca. branch of Chase bank and found " no banker available ''. I talked with a teller who said tellers have limited knowledge of lines of credit and no use to wait as banker had appointments throughout to day. XXXX explained Chase was trying to suspend all lines of credit. Also in a separate complaint, I have been charged late payments even though I pay XXXX to XXXX to principal MONTHLY on this account.
Product: Credit reporting or other personal consumer reports

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Consumer Loan

RE : Santander Consumer USA - Account # XXXX To Whom It May Concern : I am writing this letter to in regards to my car loan with Santander Consumer USA. I am concerned that when I submit my payments the correct amount is not being applied toward my principal. For example my XXXX payment of XXXX was due XXXX XXXX, XXXX and the payment posted on XXXX/XXXX/XXXX. When reviewing my payment history XXXX was applied toward my Interest and {$31.00} was applied towards my principal. 

Original Loan Amount : {$15000.00} Interest Rate : XXXX Loan Started on XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. 
XXXX XXXX XXXX  Balance : {$480.00}
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX has submitted a second collection agency to report against my credit report to all three credit bureaus with capio partners llc agency for {$4000.00} this isn't the only time that a collection agency that has tried to report a collection for the same bill from XXXX XXXX XXXX. XXXX XXXX XXXX agency I had to dispute with on XX/XX/XXXX for the same bill. 
In which I disputed with all credit bureaus for it is identity theft for my brother XXXX XXXX has used my name in crime sprees with credit card fraud and hospital bills. XXXX XXXX XXXX XXXX has continued to harassment continuously since then
Product: Credit reporting or other personal consumer reports

My husband and I have received inquiries on our credit report that are daily for XXXX XXXX and XXXX. There are concerns of identity theft and we are receiving id monitoring we did not request from XXXX  and XXXX XXXX
Product: Checking or savings account

XXXX DOES IT TAKE OT CLOSE AN ACCOUNT WITH XXXX BLANCE? I CALLED AND MESSAGED ON XXXX XXXX TO CLOSE AND STILL OPEN.
Product: Debt collection

I owed a bill to XXXXXXXX XXXX XXXX  and the bill was {$6100.00}, I paid off {$3000.00} so the remaining should be XXXX. I couldnt pay it because Im a working student I had to take a gap semester and work in order to pay the rest. So why was I charged for fees that came out to XXXX