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

My credit report is showing late payments to XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one Credit Card shows i have had three credit cards with the company too my knowledge i only open 1 card i have disputed other 2 as fraud even with all three credit breau with no help or prevail please assist why are cards keep being opened if deliquent cards exist makes no sense
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXXXXXX XXXX : XXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/14, XXXX XX/XX/14. How is that accurate? 

I have no knowledge of this account and have never done business with XXXX XXXX XXXX so why does Experian list an open date of XX/XX/2014? How is this accurate? 
There should be no past due on a collection account yet Experian lists a past due amount of {$420.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.
Product: Credit card or prepaid card

I made a purchase on XX/XX/21 at a local restaurant. The charge that was taken from my prepaid visa card was more than the charge on my receipt. I submitted a dispute with the credit card company " Blackhawk Network '' on XX/XX/21 and emailed it to them with a copy of the dispute form, the receipt and a copy of the disputed charge from their website. I received a response stating that they were unable to find the account and asked for additional info from the card on XX/XX/21. On XX/XX/21 I received an email stating that the Dispute number XXXX was " resolved '' and that the " notes '' stated that there was a " NEW DISPUTE SN INBOX/SERVICE DISPUTE '' and showing a new case number XXXX. I have been tried 3 times to get an update on the dispute but have received no responses to my emails or calls.
Product: Checking or savings account

XX/XX/2021 I reported to XXXX XXXX XXXX that my debit card was stolen and reported every unknown transaction. After that, they closed my card, but my bank account still has it. XXXX I tried to log in to my account using mobile banking and online banking to transfer the account balance, but it was unsuccessful. On the morning of XX/XX/2021, when I tried to log in to Mobile Banking again to transfer my funds, the system prompts me that my login account has been disabled and I can not access my account, but my account contains all my funds, Including the third round of assistance is in this account. That is all my money. I can not use digital banking. I can only go to the local bank to deal with it. But the banker also told me that they couldn't do anything and couldn't get back the money in my account. 
I do not know what to do. I am very dissatisfied with the services provided by XXXX XXXX XXXX. My account at this bank is all my income account, but not only the assets in my account have unauthorized transactionsAfter I complained about the banks actions, the bank chose to close the account that I had been trying to maintain for two years. I did nothing wrong. I dont understand why I need to take such responsibility. Including until now, I don't have a penny in my pocket. Almost ten days have passed, and I have been suffering from hunger. I called the customer service of the bank. They kicked me like a ball. No one solved my problem for me. I was a victim. I deposited my money in the bank, but I couldn't use my money, this is really ridiculous.
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. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus.

I appreciate your prompt communication thank you so much
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My Name is Mr., XXXX XXXX, My Grievance /dispute : American Express Gold Card , card # XXXX, I've continued to make payments during this difficult pandemic {$4000.00} during COVID 19 despite this financial hardships we're currently under, moreover my business has been severely impacted by COVID 19 ; California Governor as instituted stay at home orders, close business and cause a tremendous slow down on my accounts receivables, I've been personally impacted by COVID 19, travel, and health care difficulties, moreover American Express is ignoring the United States Congress Cares Act, they have tried to force me to take a program that has ( unacceptable terms ), ( program is one size fits all ), I've requested more time to meet my payment balance and obligation 's they've instituted an pushed a no-nonsense aggressive collection practices and ( demanded payment in full ), in addition, this is a business Credit Card issued to XXXX XXXX , they have reported a negative trade line on my personal credit file for this card. ; i have reach out to upper management, with no success. 

I have a personal Everyday Amex Card with a XXXX balance, part of the program offered is that, they'd close my personal account if i sign on, to this ... .its a unacceptable plan,, I've worked extremely hard to build and maintain my credit, they've chosen to ruin it in a flash ; in concluding this is Force Majeure to no fault of the card holders on doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a delinquent account from a collection agency called XXXX XXXX for a medical bill with XXXX XXXX XXXX for {$60.00}. I paid this bill in full with the collection agency on XX/XX/18 at which time they sent me a letter stating they requested all credit reporting agencies delete the account from their records. This debt was removed by XXXX  and XXXX  the following week. I have already disputed this debt with Equifax and they refuse to remove this account and to make matters worse it still shows delinquent.
Product: Checking or savings account

I have a checking account with CapitalOne, and should have received my direct deposit XXXX hours ago. It is still not reflected in my account, which is now overdrawn. CapitalOne has provided no explanation as to the what has caused the issue, and they have provided no timeline for when it will be resolved. In fact, they did not alert customers until XXXX hours after the issue began.
Product: Debt collection

I had financial assistance with the hospital and they missed a bill and sent to collections. I would like bill removed from my collection report immediately as they did not have permission to violate HIPPA and send my medical bills with private information to anyone outside of hospital nor did I owe the bill.
Product: Money transfer, virtual currency, or money service

From XXXX to XXXX numerous unauthorized transactions was withdrawn from my account I never received any refund only email it would be investigated. Or complaint not answer at all. I was running a business and payment was accepted through cashapp. I just stop accepting it because I couldn't get issues resolved
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inquiry XXXX XXXX XXXX and never was removed from my credit report.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT Subject : Notice of Dispute of Debt and Demand for Verified Documentation Fair Debt Collection Practice Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) To Whom it May Concern, I am wiring regarding the unpaid debts on the derogatory accounts listed above, which I dispute and attempt to correct your records. By sending this letter I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I received from you will be collected as evidence should any further action be necessary. Please also be advised that non- compliance with my demands, could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me under penalty of perjury with the following verified documentary evidence of alleged debt : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt, 1 Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2 Proof that the Statute of Limitations has not expired ; 3 Complete payment history on this account along with an accounting of all additional charges being assessed ; 4 Proof that you are licensed to collect in my state ; and 5 7.Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX I called on XX/XX/XXXX and reported that I was overcharged by {$26.00} on my latest invoice. Started to pull prior months statements and noticed interest charged on prior months, two. Every month Im very diligent to pay total balance minus any 0 % incentivized financing. My call was escalated to the supervisor. She reviewed the information and agreed that there was an issue and I was told that an audit would be performed and that they would reach back out to me the week of XX/XX/XXXX. Did not receive any follow up email or call from XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Something only wrong with small amount for {$250.00} and now they're trying to get over {$1000.00} for me and consumers only paid what they owe and I did already make payments back towards the loan
Product: Credit reporting or other personal consumer reports

I Have some unauthorized inquiries appearing on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under the ServiceMembers Civil Relief Act ( SCRA ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the SCRA allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX XXXX. 

I request the removal of the following types of negative information from my credit report : Collections : Any accounts placed in collections during my period of XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX ( ORIGINAL XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Please remove the following Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove this item from Public records : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This first all started around XXXX with me applying for a XXXX XXXX credit for my wife because they had a deal when signing up for a credit card so I decided to sign up. When I signed up I chose the payment option to be automatically so there wouldnt be no issues on me having to manually pay it next month because I tend to forget but I made sure I didnt forget about this. So next month comes by believing everything was ok but I received a mail from XXXX XXXX saying that I missed a payment, so I went ahead and tried to pay it off manually thinking I must have put something wrong when signing up for the credit card but that wasnt the case because this manually payment never went through either. So next month I receive a notification informing me that my FICO scored went down XXXX points because of this. So I contacted both XXXX XXXX and Experian to find out what was going on. XXXX XXXX told me that the payment was rejected from my pay account or that I didnt have sufficient funds when I know i for sure had money at that time. Experian informed me that XXXX XXXX never sent the payment so it can be made. The person I spoke with on Experian told me to file a dispute which I did and like in less then a month everything went back to normal my FICO scored went back to normal just XXXX less point but I was fine with that. I call XXXX XXXX to see if everything got resolved just to make sure this wont happen again and it was I told everything looks fine that I didnt owe nothing anymore. And I asked her if I was to run into this issue for whatever reason again next month what should I do? She implied I make another dispute. And just as I feared the next month my FICO score went down again for the same reason and I filed a dispute and now it saying that they see nothing wrong with my results now which make no sense.
Product: Debt collection

I sent debt validation letters off and never received a response nor has invoice been paid for violations.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Demand for Removal or Update of Inaccurate Negative Accounts Dear Experian, I am disputing all negative accounts on my credit report as they are inaccurately reported as charged off with a balance due. This includes the following accounts : XXXX XXXX XXXX ( Account No : XXXX ) {$180.00} balance inaccurately reported as charged off. 
XXXX. XXXX XXXXXXXX XXXX XXXX ( Account No : XXXX ) {$5800.00} balance charged off without proof of validation. 
XXXX. XXXX XXXX XXXX Account No : XXXX ) {$6000.00} collection balance due to inaccurate reporting. 
XXXX. XXXX XXXX XXXX ( Account No : XXXX ) {$1000.00} balance falsely reported as in collections. 

Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported accounts. Proof of these charge-offs was never provided, meaning the current balances should either be updated to zero or the negative payment statuses must be deleted from my credit report. Additionally, Section 605B of the FCRA entitles me to the removal of fraudulent accounts, particularly following the data breach as confirmed by the FTC ( Report ID XXXX ). 

I demand that these issues be resolved immediately. If you can not verify these accounts within 30 days, you are legally obligated to remove or correct the negative information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX [ FTC Report Number : XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a summary of what happened Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Education Responsibility Signer with other person Date opened XX/XX/XXXX Status Open. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$50.00} Original balance {$5500.00} Highest balance {$0.00} Terms 180 Months This account was originally opened with XXXX XXXX I have no recollection of XXXX XXXX or how to get into contact with them to put my loan back into forbearance I am a XXXX XXXX I can afford to pay but I have not received any formal information in how to proceed with payments.
Product: Debt collection

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Equifax Accounts 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 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 Amount : {$21000.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.