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

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to be guided on a personal loan I wanted to request and XXXX XXXX let me know the documents I had to provide. On Monday, XX/XX/2018 I sent the application online and then I sent the other documents by email as required by the instructions. The same day, XXXX XXXX XXXX XXXX XXXX called me to let me know that he was going to send me the application by email because the system had not registered it when I filled it out online. Immediately I proceeded to fill it out and sent it to XXXX XXXX 's email so he could process it. Today, XX/XX/XXXX, XXXX XXXX called me to inform me that he needed my husband 's information so he could process the request. I informed him that the loan was going to be requested only by me since my husband has the credit very affected and I did not want that to affect the low interest rate that they could offer me if I did it by myself. I mentioned that I had previously obtained loans without including my husband, but XXXX XXXX replied that including the spouse was a rule of the bank. I told him that I didnt know that it was mandatory to request with the husband since it wasnt explained in the web page instructions, not in the application and not when I called to get the orientation. I told him that if I had seen that rule before I would not have applied for the loan because I wanted to do it by myself. I asked him if he had obtained my credit report and he said yes, that he had it with him and that the score had gone very well. I understand that XXXX XXXX had to wait until he had the main documents and then proceed to request my credit report because in the application I let him know that my marital status is Married. This action resulted in my credit score having been lowered because I didnt accept that my husband entered the loan without having knowledge that it was a requirement of the bank. It is fair that this inquiry be removed from my credit history because I have no knowledge of this bank rule of having to include the spouse in the personal loan.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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/year>
Product: Credit card or prepaid card

Made a purchase online thru XXXXXXXX XXXX XXXX XX/XX/XXXX via my cash app card. For whatever reason my items where shipped in two packages. One package came thru USPS totaling {$5.00}. Second package was ship thru XXXX XXXX. for XXXX. Receive a notification that my package has been delivered. I check my ring camera no one had arrived at my home. XXXX XXXX XXXXXXXX XXXX with my tracking number and look at the photo uploaded by the driver. The home in the picture isn't my home. Contact XXXX XXXX rep tells me to give them 2 days to investigate. They tell me it was delivered I tell them no it wasnt so they ask for proof i send photos of my home. Too only be told contact the merchant we cant find your package. Contact XXXX XXXX XXXX they say well unfortunately since XXXX XXXX states your package as delivered we cant issue a refund. Contact the bank you use. On XX/XX/XXXX for the first time the claim dispute with Cash App for a refund in the amount XXXX. I've submitted documents regarding emails from XXXX XXXX and XXXX XXXX as well as photos of my home and a video of my home. And my claims are being denied stating I receive the goods. There's no one on the support team to speak with via phone. The only answer i keep getting is to file a claim. Then on XX/XX/XXXX I receive a provisional credit for XXXX. The amount is XXXX. I receive my order for XXXX via USPS. Companies involve are giving me the run around
Product: Credit reporting or other personal consumer reports

Complaint Letter to CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Failure to Remove Inaccurate Information from My Credit Report Complaint Against : Equifax, XXXX, XXXX Dear Sir or Madam, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the failure of credit reporting agencies Equifax, XXXX, and XXXX to remove inaccurate information from my credit report, despite multiple requests. The inaccurate information is negatively affecting my ability to access credit. 
On XXXX, I contacted each of the aforementioned credit reporting agencies and submitted a formal dispute concerning accurate address, incorrect late payment report, inaccurate account balance, inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy that has been removed by XXXX per the Fair Credit Reporting Act, while the others have refused sighting some third party that I have not given any permission to investigate my private rights. I provided all necessary documentation to support my dispute, including the INQUIRY REMOVEL, BANKRUPTCY REMOVAL as well as their responses. However, the credit reporting agencies have failed to remove or correct the disputed information within the required timeframe. 
This continued reporting of inaccurate information violates my rights under the Fair Credit Reporting Act. I have suffered financial damages, such as denial of credit or increased interest rates, reduction in credit limits and denial of financing for personal and business financing, due to their failure to comply with their obligations under the law. 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct the inaccurate information on my credit report. I also request that any damages caused by this failure be addressed. 
Please find attached copies of the disputes, correspondence, and other supporting documents related to this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX ; XXXX XXXX/ Without Prejudice Enclosed : Copies of correspondence, credit report, dispute documentation.
Product: Credit card or prepaid card

XXXX ) I am not able to access my on-line account. I tried changing password even though I entered t he correct password, I was able to get in once, when I tried re-entering my account I could not XXXX et back in. I tried changing my password again, and am still not able to get in. I talked to Citibank tech support who told me they saw no problem, and then they hung up on me. I am an XXXXXXXX XXXX XXXXXXXX and I know when a system is not working ; the tech support person I spoke with did not listen to my problem and refused to look any further than the front-end. I can not access my account, and Citibank is unwilling/incapable of helping me. 

XXXX ) When I was able to enter my account, my credit card information was GONE. I tried calling the number on the back of my credit card, I was put on hold for XXXX minutes, then was disconnected. 

I called my local branch manager and he told me he could not do anything to help. Citibank left me no alternative but to file a complaint with the CFPB, but in the mean time my credit card payments are going to be processed INCORRECTLY, and there is NOTHING I can do to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : XXXX - XXXX Card {$2300.00} XXXX - XXXX Card {$2300.00} Experian - XXXX XXXX  {$2300.00} Inquiries : XXXX - XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank You - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC is reporting inaccurate information in regards to debt I do not owe them and is in violation of the Privacy Act of 1974 and the Fair Credit Report Act. The FCRA states that consumer reporting agencies are responsible for respecting a consumer 's privacy in regards to non-public personal information. Additionally, any information reported must be with the consumers WRITTEN CONSENT per 15 USC 1681 section 604 ( a ) section 2 and the information MUST BE ACCURATE. I have NOT provided LVNV FUNDING, LLC ANY written consent to publish my information. LVNV FUNDING LLC is in violation of 15 USC 1681 b and c because they are improperly using my consumer report and not meeting information requirement standards in regards to adverse information. In fact LVNV FUNDING LLC is committing identity theft as defined by 12 CFR 1022.3 because they are using my personal information without authority to do so or my consent. By using my personal information without my written consent they are in violation of 5 USC 552a. I have no contract with them and I have never done business with them. I did contact them requesting information to validate the accounts, and provide the original contracts and they have not done so. I have also received notices from 3rd parties which claim to have gotten my information from LVNV FUNDING LLC which is another violation of 15 USC 1681. LVNV FUNDING LLC reports information on accounts XXXX and XXXX I cant verify to XXXX, XXXX, and XXXX because they have reported inconsistent data across all 3 of these reporting agencies. I have never paid them anything ( because I do not owe them ) yet they have reported I made a payment on XX/XX/XXXX and that my account is both open and closed. They have been reporting inaccurate information since XX/XX/XXXX and are in violation of 12 CFR 1016.1 as I have received NO OPT out notices. These discrepancies also show that XXXX, XXXX, and XXXX are in violation of XXXX XXXX XXXX compliance procedures which requires them to verify information and ensure information reported is accurate. Any and all consent to XXXX, XXXX, and XXXX in regards to these accounts whether verbal, non-verbal, written, implied or otherwise is revoked. Lastly, LVNV FUNDING LLC is attempting to collect a debt I do not owe them and on accounts that have been charged off by the original creditor ( XXXX ) Per the IRS charge offs ( the debt associated with those accounts ) are defined as income and income does not get reported on a consumer report. 
LVNV FUNDING LLC, XXXX, XXXX, and XXXX are XXXX parties reporting inaccurate information on my consumer credit report. This problem must be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The EXPERIAN data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and XXXX show XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there is late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Thise account should be corrected right away : XXXX XXXX XXXX : {$10000.00}
Product: Debt collection

" Portfolio Recovery " has been calling me everyday sometimes multiple times a day about collecting on a 4-5 year old debt. ( and maybe others XXXX. I'm awaiting important phonecalls so i have to pick up every call i get. And it's always someone from " Portfolio Recovery ". Sometimes they won't even say who they are and tell me they can't give me that information unless i tell them who i am ... Last time i spoke to someone i told them are you seriously harassing me during a pandemic? To which they replied " we are not harassing you ''. If calling multiple times a day from different random numbers is not harassment then what is?
Product: Debt collection

They contacted me about my mothers debt. Shes alive. Im not a co-signer. We dont share an address or phone bill and havent in over 15 years. She didnt give them permission to contact me. They illegally took my information from a database they refused to name and contacted me as a way to harass her through me. I asked for the companys address and the collector hung up on me.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I did not recognize, and have not gave my consent towards.This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately
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 these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX BALANCED {$550.00}
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : Experian : 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 Balance Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Product: Checking or savings account

On XX/XX/XXXX Citibank charged my account a $ 12 monthly maintenance fee plus an additional {$34.00} for not having funds to cover their {$12.00} fee. I asked them to stop doing they continue to charge excessive and unwarranted fees. in addition to these fees they also rejected a debit card transaction on the XXXX from XXXX in the amount of {$170.00}.. I then used my bank account and routing number. They bounced the check even after I deposited the funds to cover the check. It appears this bank is taking advantage of persons with low balances. The total amount debited from from my acoount in the last 30 days is {$68.00}. I want my money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They even refer to me as an incorrect name. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, AZ XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX, AZ XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9 The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Recently, I investigated my credit report, and several items were found to be inaccurate. Under 15 U.S. Code 1681e ( b ) - Accuracy of Report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates.

5 U.S. Code 1681i - Treatment of Inaccurate or Unverifiable Information : ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation ; and ( II ) properly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX