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

I recently looked into my credit report and saw several inaccuracies. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to insure the maximum accuracy of the information concerning the person about whom the report relates. Also, there's a violation of 15 U.S Code 1681i ( 5 ) TREATMENT OF INACCURATE INFORMATION ( A ) Please remove the following from said credit report immediately. 
XXXX XXXX XXXX, and XXXX XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX I have reached XXXX XXXX Credit dept and all XXXX credits bureau to remove the delinquent filed by XXXX XXXX XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, XXXX XXXX purchased XXXX XXXX XXXX XXXX Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account XXXX XXXX XXXXXXXX in full and had no issued. 

I was told by XXXX XXXX customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
XXXX XXXX did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted XXXX XXXX and paid the amount due on XX/XX/XXXX. XXXX XXXX file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. XXXX XXXX report is incorrect as there was no balance due on my XXXXXXXX XXXX XXXXXXXX account. XXXX XXXX added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of XXXX XXXX my credit has been tarnished for seven years.
Product: Credit card or prepaid card

To Whom It May Concern, Sir I am just writing you this letter letting you know how I feel this is not to trash any body but at the same time I don't to be unfairly treated either now when you purchase a product on the internet the vendor give you a 100 % money back guarantee with 14 days to 30 days for a refund for whatever reason if you don't like the product, And this is what I am complaining about also when you make a one time payment on a product you are entitled to that product for life meaning you should have access to that product Now in the case of XXXX  the two products that I bought one for {$490.00} and {$290.00} after a few  months they cut of access I have emails proof that I did tell them and I find that multiple times that I don't have access they keep saying that I do but when I check it is nothing that is why I went Capital one because I don't have the product and I don't have the money and all I wanted was access because I new that the 30 days had already past so if I don't have access GIVE ME BACK MY MONEY also XXXX XXXX was 14 days money back guarantee I should have gotten that refund but every time that I call or get a letter from them it is always the same thing also with the {$390.00} also they both were within the time frame for a refund but they would ask you did you cancel SIR ONCE YOU ASK FOR A REFUND THAT IS A CANCEL because it is a one time payment, if how ever you have a recurring payment THEN AND ONLY THEN YOU CANCEL but Capital one keep asking for proof of cancellation and also bring in a second opinion I did but they rejected it they wanted it with a letter head when I did get a letter with a letter head they said that the time has pass and there can not do nothing for it Sir my point is I BOUGHT THESE PRODUCT WITH A 100 % money back Guarantee and I was within the time period why did Capital One make me LOSS all my money on CRAP when the Vendor Had A 100 % Money back GUARANTEE if you the Customer Did not like the produce for any reason SIR I WOULD LIKE TO KNOW MY RIGHT ON THIS Because Capital One Is Making The 100 % money back Guarantee None and Void THIS IS MY COMPLAIN BY right I should have gotten back my money because I file before the expiration date that should be a simple thing I WANT MY MONEY BACK CAPITAL ONE IS GIVING VENDORS MY MONEY AND THEN I STILL HAVE TO PAY THEM BACK IS THAT FAIR I HAVE A LEGAL RIGHT TO A REFUND
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to contact XXXX XXXX XXXX for the late payments that are showing on my credit report. I do not understand their language and nothing seems to get resolved so I want to see if someone can help me to remove the late payments from my credit report for the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was having health issues and moved states called and had them change my due date from the last days of the month to the beginning of the cycle and it was never changed. 
It was not my fault. Please remove I am trying to purchase a home and this needs to be removed immediately, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have home owners insurance for many years, XXXX XXXX. 

Shellpoint Mortgage has charged me a fee every month, Lender Placed Hazard Disbursement for not having insurance. This has happened since XXXX. I have called them over fifty times. They keep me waiting on the phone for over an hour and then say they will change it but they never do. I also had my insurance company call them many times.
Product: Credit reporting or other personal consumer reports

I pulled my credit report, and I am unable to verify the current status that is being reported on this account, specifically the {$590.00} written off. Please verify this status is accurate. 



FURNISHER : XXXX XXXX  XXXX XXXX 

ACCOUNT NUMBER : XXXX ACCOUNT TYPE : CHARGE CARD Current STATUS : Paid in Settlement, {$590.00} written off
Product: Checking or savings account

Re : Check fraud. I wrote a check from my Wells Fargo checking account made payable to my landlord for payment of XX/XX/2021 rent. Landlord called to tell me he never received the check. I looked at my online account and the check was listed as cashed posted on XX/XX/2021 with two endorsements. The amount of the check was {$3000.00}. I went in person to my local Wells Fargo on XX/XX/2021 and submitted a Check Fraud Claim. I also went in person to the bank on XX/XX/XXXX with my landlord and submitted an Affidavit of Check Fraud signed in front of a Notary. The Wells Fargo representative told me I would hear back from a Wells investigator. I never heard back. I have called the bank many times but they are never able to give me any information. They tell me my case is still under investigation and that when they finish their investigation the money will either show up in my account or they will contact me. 
When will I receive a reimbursement?
Product: Checking or savings account

On XX/XX/XXXX, I ordered a XXXX that was estimated to be $ XXXX. After using the XXXX the total nearly triple the cost at {$190.00}. This was flagged as fraud by Huntingtons Bank and when I called the bank they stated that it was fraud and would issued a new card. 

The amount was charged again for {$190.00} on XX/XX/XXXX that again was flagged as fraud by Huntington Bank. When I called this time they stated it should not have been fraud last time but instead a disburse. Huntington Bank issued paperwork that I did not receive until several weeks at which point the time window was too limited to respond to. I went to Huntington Bank and they reopened the dispute with XXXX in which I completed the necessary paperwork for them. Huntington stated that I was not able to show the estimated amount and that the charge would stay. 

I am being given an impossible task of showing an estimation that XXXX only provides when ordering the ride and not at the end. I offered Huntington Bank the receipt of a coworker that took a similar route and had the correct charge.
Product: Student loan

XXXX XXXX My loans were placed into administrative forbearance with Mohela due to miscalculation of payments and how much was owed. My loans are accruing interest to this day even though they are supposed to be in forbearance. 

XXXX XXXX Mohela is saying that I missed my XXXX payment when it was paid ( with bank statements for proof ). My loans are still accruing interest. 

I have all paperwork from Mohela and emails. I have spoken to the company many times being dismissed or not reaching a representative.
Product: Checking or savings account

In XX/XX/year>, I upgraded my partners cell phone through XXXX. In order to initiate the upgrade, we needed to pay a fee of {$35.00} and then XXXX would send us a contract to sign. We paid the {$35.00} but we never received the contract. We went into the store and requested a refund. XXXX refused to give us a refund and told us that the money would be returned automatically within seven days. 

The money was never returned after 11 days so I contacted my bank and the teller recommended that instead of doing this through XXXX, we just opened a disputed transaction. As per her advice, I disputed the transaction with my bank. Several months later in XXXX, I received a letter saying that there was not enough evidence of a fraudulent charge, even though I was charged for a service that I never received. I opened an appeal process with my bank and sent them screenshots of my conversation with the XXXX Representative have a conversation which we discussed disputing the transaction as recommended by my bank. 


In short, I was charged {$35.00} for a service I never received. The vendor refused the refund and my bank refused to dispute. The charge and my account is now - {$35.00} as a result. This is extremely fraudulent to me and I was acting on advice given to me by the bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

The orginal debt was sold to a third party without a written and signed consent to do so. The collection agency is XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of XXXX 

Kind regards,
Product: Credit reporting

There is an address on my Equifax credit report that is not mine and I have never lived in New York in my life. I want this information removed ASAP because it 's not mine and should n't be there.
Product: Credit reporting or other personal consumer reports

TransUnion is in Violation of the Fair Credit reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) I did not give any permissible. This Aggravated Identity Theft pursuant to 18 U.S.C 1028A these are the accounts weren't authorized by me. 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/2023 TransUnion refuse to remove after I already made numerous attempts to remove
Product: Money transfer, virtual currency, or money service

I woke up today to an email from PayPal sayong my account closed and requested the information why and they said my account was closed and will not give me the reason why, they are holding my money for 180 days and wont let me retrieve my funds
Product: Debt collection

I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that AES changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine : XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXX ... Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint # : XXXX. My name is XXXX XXXX and I am a federally protected consumer. I am once again making this complaint against TransUnion because they have continued to fail their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I asked the company to supply a description of the procedures used to determine the accuracy and completeness of the information they received from the debt collector XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, if I, the consumer, request this description of the procedures used, they are obligated to give me this information, no later than 15 days, after they have received it. They failed to provide me this information when they first received my letter on XXXX, and in my complaint made on the CFPB on XXXX. They have blatantly ignored my rights as a protected consumer to provide this information to me. I have reason to believe and do so believe that the accuracy of the 'information ' they 'verified " can no longer be verified or any notation as to disputed information because it seems that they have a hard time answering simple questions on the procedures they used to determine the accuracy and completeness. Because of this, this information needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/2021
Product: Credit reporting or other personal consumer reports

The bank, on behalf of XXXX, sent me a false, misleading, and materially incorrect letter. 

It refers to credit report data, but no credit report is listed. My credit reports are frozen due to identity theft. 

The reduction letter asserts that there is no mortgage data on my home, while I have a mortgage with XXXX and have had the same since XXXX. 

The report says I have too many inquiries, which are false, misleading, and fraudulent. I have less than four authorized I have inquiries. 

The bank says I have cars with high balances, yet I have at least four cars with a XXXX XXXX, overpaid ( credit ) balance, or no balance greater than XXXX XXXX of the authorized credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquires and other account problems as listed in attached XXXX  doc
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union did not properly investigate information and continues to report inaccurate and false information on my consumer report. i have previously notified them of their error but they refuse to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy.

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

Under 15 USC 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX in full yet they are still reporting to XXXX and XXXX as collections.