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

I have contacted Equifax four times since XXXX about incorrectly reported a delinquent account. They refuse to remove it off my credit report. They have no even replied to me once. Here is the issue and the last letter I sent to them : " I am writing to dispute an inaccurate item that continues to be illegally reported as an open collection on my Equifax report. I have reported this before and yet it remains as an open collection with a note added that its included in a bankruptcy and is at a {$0.00} balance so why is it still reporting as an open collection and a derogatory mark?? It is illegal for you to report this as an open collection/derogatory account when it was illegally reported in the first place. Equifax is the only credit bureau reporting this as an open collection and refusing to fix this. The debt is from XXXX XXXX XXXX XXXX  which is a collection agency. It originates from XXXX XXXX  This debt was discharged in a Chapter XXXX Bankruptcy in XXXX of 2015. After being informed it was included in a Bankruptcy and discharged, XXXX XXXX illegally sent it to a collection agencyXXXX XXXX XXXX. It has reported several times since then and continues to appear as a negative mark on my Equifax report. I got in touch with the collection agency XXXX XXXX XXXX XXXX as did my attorney to inform them this was violating federal law. They have updated their records and informed all XXXX credit bureaus that is now CLOSED with a XXXX balance and is no longer an open collection. Because it was put into collection AFTER it was discharged it is illegal to report as a collection or negative mark. All credit bureaus except Equifax have updated my credit report and removed this completely. You are still reporting this inaccurately and illegally as an open collection. This is my final attempt to get you to correct this. If it is not corrected within the required 30 days, I will contact the Consumer Financial Protection Bureau and seek legal representation and a judgment against Equifax for false and illegal credit reporting according to the Fair Credit Reporting Act which is in turn lower my credit score and costing me money. I know that XXXX XXXX and Equifax have had multimillion dollar judgments against them in recent years for such illegal activities with credit reporting. I look forward to you resolving this appropriately in a timely manner and updating my report and my score. Thank you for your time and attention. I have included two forms of identification off of your acceptable ID list to prove my identity. I have also included the Bankruptcy judgment paperwork as well as the list of creditors whose debts were discharged in the Bankruptcy. '' They never responded to this or the three letters before it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on several occasions about a bankruptcy, collection on my report from XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX. I have sent them proof that I have reached out to all creditors and they have yet been able to send any proof that this collection is mine, yet Equifax still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  / ACCOUNT NUMBER XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

My husband traded his XXXX XXXX XXXX for a new XXXX XXXX XXXX in XXXX on XX/XX/XXXX. 
They let us take it home and then rewrote the contract on the XXXX. 
They gave him an allowance of XXXX for his trade in. He had XXXX he owed and they paid it off to Ford Motor Credit which gave him XXXX positive to go towards the new XXXX. 
They added that XXXX back on to the revised contract and stole his XXXX XXXX. 
Our payment and interest are extremely high for someone who paid off a XXXX truck and that XXXX added in made the payment high! 
They marked up the XXXX sticker which was XXXX to XXXX! 
XXXX XXXX XXXX in XXXX stole my husbands truck. They resold this truck for almost XXXX. 
My husband paid in XXXX $ and lost his truck and now we will be forced to bankrupt this one which I am a cobuyer on because we are essentially paying for his old truck balance and the new one!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT. XXXX XXXX XXXX XXXX  I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681, Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history witXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have been erroneously included in my credit report. Despite repeated attempts to rectify this issue, the fraudulent entries persist, tarnishing my creditworthiness and financial standing. 

I have submitted multiple disputes and provided comprehensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I came into a BMW Dealer and leased a vehicle for which I gave consent to have my credit pulled. However, based on my XXXX credit report it appears to be that I have a total of 3 hard inquires that originated from the same place when there should only be one, Here are how they are listed as follows ( The only valid inquiry would have been from BMW FINANCIAL SERVICES on XX/XX/XXXX which is who a leased my vehicle through and also the date I made the request ) : Inquirer Name : XXXX BMW XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Automobile Dealers, Used Contact Information : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the credit reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. TransUnion is reporting 1 inaccurate late payment for XXXX XXXX with account number XXXX. A late payment for 30 days listed in XX/XX/2021 is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the customer and the person ( s ) making the report. A transaction constitutes these - late payments resulting in TransUnion violating my federally protected consumer rights. To add to this, I did not give TransUnion written instruction/permission to furnish this inaccurate late payment on my consumer report or file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that TransUnion has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation harm and discrimination.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  Bankruptcy Reference # : XXXX.
Product: Money transfer, virtual currency, or money service

Zelle failed to investigate my concerns further more and could not retrieve my lost funds, I feel like it goes against their policies on making sure our money is secure using Zelle.
Product: Credit card

In XX/XX/XXXX I purchased a camera from XXXX XXXX XXXX XXXX and used my XXXX XXXX  XXXX Comenity account expecting 0 % interest if paid in 12 months. In XX/XX/XXXX there was an interest charge added to the bill. I made several calls to both XXXX XXXX XXXX and Comenity bank about this. It took until XX/XX/XXXX before Comenity agreed to look into this. In XXXX I received a letter stating that I would refunded XXXX and the interest rate would be changed. I was never credited the above amount and have continued to be charged interest on the account. I have made monthly payments to the account such that the initial amount was paid in full over the 12 month time frame but the interest has continued to accumulate. I have made multiple calls to customer service who tell me they do not have any ability to fix this as the division they need to contact has not responded to them. I was most recently told to send a message via their website where I stated everything written above as well as sending them copies of the letters they sent to me and the response was that I had never contacted them in the past ( yet I have the letters they sent me ). I want the interest charges removed according to letters they sent.
Product: Vehicle loan or lease

On Thursday XX/XX/XXXX I scheduled a payment on the XXXX XXXX, I received a notification that the payment was in process and received my email with confirmation that the payment was scheduled. It was not until XX/XX/XXXX that I went back to check on the app because the funds had not been deducted from my account that I realized there was no payments scheduled, I rescheduled my payment that day and received a confirmation email again but this time my confirmation email did n't come to me until XX/XX/XXXX. ( I have attached both emails received from XX/XX/XXXX and XX/XX/XXXX). The next day XX/XX/XXXX I received a notification from XXXX that my credit score had decreased XXXX points because they reported my payment 30 days late. I called to XXXX customer service number ( XXXX ) and spoke to 2 supervisors, the one that assisted me his name was XXXX he did not disclose his last name so I am not sure what that is. He researched and said that it was possibly a ghost payment? and that they could n't do anything about it. I have included screen shots from when I scheduled that payment and the confirmation emails I received. 
My payment is due on the XXXX of each month so this payment had been due XX/XX/XXXX the 30 days had not been met yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom and I received credit monitoring alerts that an inquiries were made on XX/XX/2021 by XXXX ( https : XXXX  ). I contacted Network Capital to investigate why and how they did this. I discovered that my father contacted Network Capital and lied, saying he was helping his ex-wife ( my mom ) and daughter ( me ) to get a refinance done. He provided Network Capital our personal information and they made inquiries without attempting to contact either of us to get permission. We asked Network Capital multiple times remove the inquiries on our credit reports because they was performed without permission and inquiries can reduce credit score. Network Capital refused to help, and made excuses that it's okay for my father to give permission to run our reports ( which is basically saying it is permissible for an ex-husband and father to give consent in financial situations for an ex-wife and adult daughter ). In their greed, Network Capital didn't bother getting my permission to make an inquiry. Shame on them. Don't work with this dishonest, biased company.
Product: Credit card

My credit card has been charging me the penalty APR rate of 29.99 % interest since XXXX XXXX. They claim that my account is in penalty status, however they were not able to provide me with any of the following information when I contacted them on XXXX XXXX, XXXX : 1 ) my original APR, 2 ) the reason why my account is in penalty status, 3 ) the date that my account went into penalty status, 4 ) the date of any notification that my account was going into penalty status and the resulting increase in APR. My understanding is that if my APR is to increase that I am entitled to a notification or a reason, and I never got one from them. I have paid XXXX in additional interest.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled CAPITAL ONE Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I entered into a loan agreement with Affirm to purchase a couch from XXXXXXXX XXXX  ( Loan ID : XXXX XXXX XXXX ) for a total amount of {$2400.00}. My case number with Affirm is XXXX. 

Since XX/XX/XXXX, I have made XXXX on-time monthly payments to Affirm of {$130.00} for a total of {$1500.00}. 

As of XX/XX/XXXX, I was informed by XXXXXXXX XXXX via their " restructuring hotline '' ( XXXX ) and formally via email that my couch would not be shipped to me. XXXX XXXX went bankrupt and any order placed before XX/XX/XXXX would not be fulfilled. ( See Attachment XXXX. ) Affirm sent a mass email in XX/XX/XXXX that it was " monitoring known order fulfillment issues with XXXX XXXX '' but no other action was taken. ( See Attachment XXXX. ) Despite knowing about XXXX XXXX 's fulfillment issues, Affirm continued to collect an additional {$1100.00} from me, which I believe is predatory and in bad faith. 

My suspicions that Affirm is acting in bad faith to their consumers was confirmed based on my XXXX phone call interactions I have had with the company in the last several weeks. I first contacted Affirm on XX/XX/XXXX and spoke with XXXX. He informed me that in order to get my money back, I would need to file a dispute with Affirm. XXXX told me that process would begin with Affirm sending me an email asking for specific information about the loan. He said the email would be sent that day, on XX/XX/XXXX. It never was. I called back on XX/XX/XXXX and spoke with another customer care representative. He told me it takes XXXX - XXXX business days for the initial dispute email to be sent to the customer. I waited XXXX - XXXX business days and then called back on XX/XX/XXXX. I explained my previous XXXX phone calls to another customer care representative named XXXX, who then transferred me to the supervisor, XXXX. XXXX explained that actually I would have to send Affirm an email with any information that I think would " help my case ''. In the meantime I would still be responsible for any loan payments. And on top of all of this it will take Affirm XXXX business days to process this " dispute ''. All of the above back and forth between myself and Affirm employees is unprofessional, unstandardized, and clearly unregulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, TransUnion, I am writing to dispute the following information that appears on my consumer report : Explanation of items being disputed : My report includes accounts with late payments, missed payments, and serious delinquency that are not mine. 
The referenced accounts have been previously disputed as fraudulent accounts opened by someone that stole my identity. 
Im the victim of identity theft and I dont recognize these the accounts on my report. I have included a copy of the FTC identity theft affidavit describing the identity theft. 
you should not report it under your credit reporting agencies. If you have already reported it, please delete them from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support. 15 U.S.C 1681 section 602 A. States I have the right to privacy.