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

My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

I deposited XXXX in Bank of America atm it only credited XXXX and took the rest of the money said error and took my money with out crediting my account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian Business credit report. My credit score dropped from XXXX to XXXX because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.
Product: Vehicle loan or lease

This is a follow up to compliant number XXXX I was told to contact XXXX XXXX phone number XXXX I called her over 10 times she never answers the phone or voicemails company is still calculating loan wrong charging me unauthorized fee such as XXXX every time I make a payment. I keep making payments and they are not applying it to principal as they are supposed to. I am disputing the XXXX fee every time I make a payment since is not in the contract. They have total amount paid ahead is XXXX I made multiple payments they never apply the extra to principal flagship keeps saying I have to call them every time I want to do that apply extra to principal. They are stressing me out I XXXX XXXX have a XXXX medical condition I WILL HOLD FLAGSHIP CREDIT ACCEPTANCE liability for any health problems cause by my stress they keep on applying incorrect amount to principal so interest will keep going up. I read contract there is zero mention of XXXX fee every time you make a payment they need to get sue and shut down. Everyday my balance keeps going up they are overcharging me every day instead of XXXX dollars a day they are charging me like XXXX. There is also a dispute when interest starts to incur I was told by dealer it starts first day of payment due date since they haven't bought the contract from dealer yet, but according to flagship they are charging me since the first day that I sign contract when they didn't even have the contract yet. I also believe due to the Coronavirus they made a law in California where they are not supposed to charge 3 months of interest but the company is doing nothing to help customers affected by coronavirus!!!
Product: Credit reporting or other personal consumer reports

XX/XX/2023 ( {$19000.00} ) NO ACTION WAS TAKEN GIVEN ME THE RUN AROUND.
Product: Credit card

Each Month, since about XX/XX/year>, each time I try to log in to pay my monthly bill, I am met with a security authentication screen that wants to send me a code via email I have paid my payment from the same PC since the opening of the credit card. The problem here is they do not send the code for several hours, sometimes even days. By the time I get the code it is often expired, and I must start the authentication process over. Since XXXX it has gotten extremely worse to the point where it is causing me to pay late.

I try calling, to make the payment & its a {$9.00} fee to process the payment over the phone. The other option is to go to the nearest store. I do not have a store closer than XXXX minutes away. 
I have called in each month and asked someone to look at this, as I am unable to make my monthly payment without incurring fees. In XXXX, customer service rep advised she is submitting a ticket. 
XX/XX/XXXX I attempt to make my payment via online, I am met with the same authentication problem. XXXX hours goes by, no code is ever emailed to me. XX/XX/XXXX, day payment is due, I attempt again. 
Same thing, I must wait for email code. XXXX Still no code, I try again. By this time, I am getting busy at the salon and time got away from me. I check again at XXXX, still no code, I log back in, attempt to sign in I still need the code, the cut off to pay online or via phone is XXXX. The XXXX came at XXXX too late to pay online. Exact same thing that happens every time. XXXX super upset, call in customer service, ask for a manger, I only get hung up on. Called back, they put me on hold for XXXX minutes, then the line disconnected. I close my salon and race to XXXX XXXX to pay the bill. The manager there refuses to let me pay, because I didnt have my ID on me. I left it at my salon. There is nowhere, in the terms and agreement, or anywhere on how to pay, does it say, I have to have a drivers license to pay my bill. My DL Has nothing to do with the payment. Absolutely nothing. I had my bill, my credit card, several other cards, a social security card, everything, and she refused to take my payment.

The credit Card is the most difficult one I have ever had. I paid my balance in full and they still charge me interest. I complained about that, and now they refuse to allow me to make my payments on time.

This bank is not allowing me to authenticate myself before the payment cut off time, each month that I use this card. I want to make my payment, but they refuse access until after I have been charge late fees and interest. 
This is not fair.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the late open accounts appearing on my credit report. It has come to my attention that these inaccuracies are negatively affecting my credit score and financial standing. I am formally requesting that you investigate and correct these errors as soon as possible. 

I have attached copies of relevant documents, such as payment receipts and statements, which confirm that I have made all payments on time for the accounts listed above. The discrepancies in my credit report have caused my credit score to decrease, and I have experienced difficulties in obtaining credit, loans, and other financial services as a result. 

I kindly request that you initiate an investigation into these accounts and make the necessary corrections to accurately reflect my payment history. I expect that you will complete this process within the legally required timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the steps taken during your investigation, as well as any changes made to my credit report. I am asking for your assistance to correct the following accounts in three Credit Bureaus : XXXX XXXX XXXX XXXX XXXX  {$5700.00} ; XXXX XXXX XXXX XXXX  : {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I booked a flight to XXXX with XXXX XXXX using XXXX from XX/XX/2018 XXXXXX/XX/2018. On booking the flight i inputted my passport number which clearly states that I am XXXX. I also paid for a business class which amounted to XXXX dollars and I paid an insurance fee of XXXX dollars for the flight. I paid for a business class because I was going to make money on my trip of approximately 9000 USD and also, because I wanted to be very comfortable as I am very XXXX. 

1 ) XXXX or the airline never told me that I needed any document to use XXXX XXXX even though they saw that I am a XXXX, through my passport information. I booked this flight a week ahead of the trip and they had every opportunity to tell me this so I could book another flight, but they said nothing and made me go ahead with the booking. 

2 ) On XXXX, I request for refundable flight before booking and XXXX XXXX and other flights came up. I chose XXXX XXXX as I did not see any information that I would be needing any document aside for my Passport and XXXX visa to  fly with them as stated on the XXXX site. 

3 ) Upon getting to the airport, When I tried to check in, XXXX XXXX began asking me for documents that they dint tell me I must have to fly with them ( XXXX ). I immediately tried to get one, but I was told i can not have one because I come from XXXX. So they refused boarding me amidst my plea that i had no idea about the XXXX, the opportunity I would be missing and my XXXX status. 

4 ) I called XXXX ( the site i booked from ), who got on the phone with XXXX XXXX Manager pleading with them to put me on the flight or transfer me to another flight where I would not need an XXXX, but they refused. So I immediately told XXXX to cancel and called XXXX XXXX for a refund. Even when they fully knew it was their fault that I was refused boarding, they refused to refund my money back. 

5 ) So I called Wells Fargo and disputed the transaction but they got back to me, claiming that the Airline says I never arrived for the flight and I was the one that booked the flight ( which was not my initial claim ) I suffered a lot that day, not only did I lost a lot of money from not going on the trip, but I also fell very sick because of the XXXX XXXX XXXX put me through and because of my XXXX status Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting Agnecies continued reporting the fraudulent information on my Credit Report without proper verification. On XX/XX/XXXX, I requested that the Credit reporting Agencies provide me with documments bearing my signature to prove that the disputes are mine and yet, the Credit Bureaus have failed to provide those documents. On June 27, 2022, I sent another letter emphasizing the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( c ) Authority to decline and Rescind. How many letters do I have to send to the Credit Bureaus for them to pay attention to my appeals and remove the disputed items from my Credit File? It seems that the Credit Bureaus have neglected their responsibility to comply with the Federal law and became lazy to take actions and correct my Credit report. I am frustrated by the Credit Bureaus taking no action and negligent of their duties. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus that they are bound to comply to the law and have the fraudulent items deleted from my Credit report immediately. I need the following items deleted from my Credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on my account with Experian, experian denied to follow up with the investigation. I was recently notified thats the CFPB has filed a lawsuit against the company ( Experian ) the company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark to be removed or corrected immediately as it has affected me to get a house a car and an apartment. Experian violates my rights as a consumers, as well as federal laws.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated and removed : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Several years ago I took out a {$200.00} dollar cash advance loan from my JcPenny Credit Card. I called on XX/XX/2020 to make a full payment for the cash advance balance of {$180.00} and was told it was not possible for me to pay off this amount " the only option is to payoff the entire credit card balance. '' It has been several years since I took out the {$200.00} cash advanced loan and the balance drops down very insignificantly and continues to accrued interest at 27.99 %.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and shows the following incorrect information is being report. 

Late payments : XXXX XXXX XXXX XXXX reported late XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX  XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}
Product: Debt collection

I received a phone call from a company called XXXX XXXX XXXX, phone number XXXX-XXXX-XXXX. A guy said he was calling about a debt from HSBC about an  account that had been charged off in 2016, they had tried to contact me but I did not respond and in 48 hours he would start legal action against me. I told him I never had an account and asked for the account number he said it would be on the written complaint, which I would receive. He said I could settle the debt for a smaller amount but would not give me the account number. I called the company and they did not an account in my name and then I checked my credit report and called XXXX and I have never had an account with them. I am very concerned because they have all my information and I want to put an end to this scam.
Product: Credit reporting or other personal consumer reports

am submitting a complaint regarding the incorrect reporting of Account No. XXXX by XXXX. Despite this account being listed as a charge-off with a reported balance of {$2200.00} on XX/XX/year>, this information does not appear on my credit reports with XXXX or XXXX. This inconsistency has unfairly impacted my credit report and score with XXXX, creating a misleading picture of my financial history.

This inaccurate reporting has had a significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting validation.

I have contacted XXXX and requested that they remove this inaccurate information, as it does not accurately reflect my current obligations. However, I am requesting the CFPB 's assistance in ensuring that XXXX promptly addresses this matter and removes the erroneous entry from my report.
Product: Credit reporting or other personal consumer reports

My loan was serviced by XXXX briefly. It was then transferred to XXXX for servicing and eventually the balance of the loan was forgiven under the federal governments public service loan forgiveness program resulting in a XXXX balance. XXXX is falsely still reporting the account as if they have the account and more significantly is reporting a balance when there is no balance. I owe XXXX yet XXXX is falsely claiming that i owe over {$110000.00}. They are also falsely reporting this account as open when that is also a lie. XXXX own website shows the loan paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/1985 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of Documentary material the original signed consumer contract - any and all accounts you post on a credit report. Pursuant to 15 USC 5561 documentary material includes and IS NOT LIMITED TO, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

Your failure to positively verify these accounts has hurt my ability to obtain credit which has cause me duress and stress which is a direct violation of my rights in regards to regulations involving the practice of debt collection. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints about my credit score going down from XXXX to XXXX for no good reason. I just noticed they have the wrong address on my transunion report. It erroneously lists XXXX XXXX XXXX, XXXX XXXX, ny XXXX as the address. 
My address where I own a home is XXXX XXXX XXXX XXXX XXXX, ny XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I logged on to my Experian account to check if a new account was reported yet, when I noticed my citicard was reported as closes account, no reporting info, I had checked my Experian account at midnight and it was showing the account, so I called XXXX they said no account is good, so I called Experian and spent an hour on the phone spoke to 4 different individuals, I was told because my subscription was cancelled after my 30 day free on Experian that why this is happening they were rude, my score dropped 20 points from XXXX to XXXX because they show the account as closes no reporting of payment I ha e exceptional payment history never missed a payment ever I'm disgusted with Experian and think it's wrong of them to use my membership as a way to control my score I have it recorded,
Product: Debt collection

The issue that I am having is that the company in question ( COLLECTION BUREAU OF AMERICA ) will not send me any formal validation of the debt, will not send me any formal letter in writing stating how much I owe or conditions and terms if I pay the debt. I want a formal agreement in writing that if I pay the debt, that it will be removed from my credit report and the representative at the company, XXXX XXXX has disagreed to do so, and told me this was not possible. First rule of doing these things is to always have everything in writing and they do not want to do so until AFTER the debt is paid, which is bad practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX & XXXX XXXX {$96000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX 2016