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

Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX XXXX opened : XX/XX/2019 Amount : {$730.00}.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX has 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

Hi, on XX/XX/XXXX, I purchase new windows including their installations from my local XXXX in XXXX, pa ; the purchased amount was {$7900.00}. 
I choose to take advantage of the free XXXX months credit that was offered at this time ; I therefore used my Home Depot Credit card to make the purchase. The Home Depot credit card is affiliated to Citi Cards to manage credit and payments. I had built in automatic monthly payments to repay the loan. 
The XXXX months credit expired in XX/XX/XXXX ; unfortunately because I am travelling extensively and I am not as alert as a younger person would be, I let pass the XXXX months free credit period. 
When I looked more precisely at my XX/XX/XXXX statement, I was astonished to see a balance of {$9500.00}, i.e. despite XXXX months ( free credit period ) plus XXXX months XXXX XX/XX/XXXX to XX/XX/XXXX ) of monthly repayments, my balance was {$9500.00}, i.e. almost XXXX % higher than my original purchase. THIS MADE NO SENSE TO ME!! And I called immediately Home Depot/Citi Card customer service and they explained to me that when the free credit period expires not only do they start charging interest BUT do it retroactively from the date of the purchase. I told them I would accept paying interest charges from the end of the free credit period and as a show of good faith and I immediately paid {$6000.00} which I estimated would be approximately the balance from the end of the free credit period plus interests less my continuous monthly repayments. 
I send them a registered letter asking them for leniency and understanding and asked my bank to stop paying the new coming charges ; they responded by asking to call them which I did on XX/XX/XXXX. Their position had not changed and they were completely inflexible, THE BOTTOM LINE AND THE LEARNING : THE FREE CREDIT PERIOD ( IN THIS CASE 18 MONTHS ) IS NOT A FREE CREDIT PERIOD IF THERE IS STILL A BALANCE AT THE END OF THE PERIOD AND THEY CHARGE RETROACTIVELY INTEREST FROM THE START, IE THE PURCHASE DATE. 
IT IS A SMART BUT DEVIOUS, ABUSIVE AND HIGHLY UNETHICAL WAY TO TRICK PEOPLE INTO WHAT THEY BELIEVE IS FREE CREDIT AS XXXX PEOPLE LIKE ME AND I AM SURE MANY OTHERS GET CAUGHT, FORGETTING THE XXXX MONTHS DEADLINE AND OVERLOOOKING THEIR STATEMENTS AND FINDING OUT THAY ARE PAYING INTEREST FROM DAY ONE. 
THIS IS A HIGHLY DISHONNEST " CORPORATE '' WAY OF ATTRACTING CUSTOMERS INTO A POTENTIALLY VERY COSTLY ADVENTURE. 
I WOULD LIKE YOU TO PLEASE 1/ - GIVE THE LARGEST VISIBILITY TO THIS SITUATION WHICH I AM SURE IS FAR FROM BEING UNIQUE AND 2/ BE KIND ENOUGH IF YOU CAN TO NEGOTIATE ON MY BEHALF WITH HOME DEPOT/CITI CARD A REASONABLE SETTLEMENT. 
THIS WILL BE BENEFICIAL I AM SURE TO MANY PEOPLE.
Product: Credit card or prepaid card

On XX/XX/2020 Chase mailed me a letter threatening to close my account as I had not made minimum payments for the past two months. However, during this time, I had large returns ( cancelled trips due to COVID 19 ) which posted to the account and resulted in a credit balance on the account. According to Chase 's automated systems and their website, there was " {$0.00} remaining statement balance '' and " {$0.00} remaining minimum payment due ''. Further, on both statements, the amount subject to interest stated " {$0.00} ''. My account has always been paid in full every single month. 

These refunds were for trips which I had already paid for, in full, several months before. While the cardmember agreement states a minimum payment must be paid, the refunds satisfied the entire balance, so how exactly is a payment due? 

Under the cardmember agreement, refunds/credit balances " If you do not request a refund, we will apply any credit balance to new charges on your account. '' In my opinion, the refund balance satisfied the entire statement balance and minimum payment. Therefore, no minimum payment was due. This is confirmed by Chase 's automated systems. In fact, I relied on Chase 's automated systems, which indicated that the refund had satisfied my entire statement balance and minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.
Product: Credit card or prepaid card

My account has been closed for over a month now requesting that I upload my id and social security card. I uploaded the documents needed on the XXXX of XXXX And was told my account would be active to use in 48 hours. Then after 48 hours they said 5 days. After 5 days I uploaded the documents again because I havent been able to access my money for a month now and my power is shut off and I have a kid to feed this is ridiculous. Please help me I have called reliacard through us bank every day and the unemployment people said there's no reason why they are holding MY money. Its been a month!!!!!!!!!
Product: Checking or savings account

I have been hospitalized since XXXX, in and out, and I have the necessary paperwork to prove it, including my discharge paperwork. I was finally discharged at the end of XXXX. Since then, I've been staying at my girlfriend 's house. Recently, when I tried to make an online purchase, I received an error stating that I only had {$40.00} in my account. I immediately called my bank, only to discover that {$22000.00} had gone missing, and they hadn't notified me once about any transactions. Even after calling them, more transactions were being taken from my account. That was my entire savings. I am suffering from XXXX XXXX  and I have to follow a very strict diet. I never authorized anyone to access my account, and today, XX/XX/2024, I received a final credit of {$300.00}. 

I urgently need your assistance. I have no money for rent or groceries, and I have also filed a police report. I don't understand why all my account notifications were turned off, preventing me from being notified about every transaction. I was treated with disrespect, and as a XXXX  XXXXXXXX XXXX XXXX for 20 years, it's appalling to be treated in such a horrible way.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX and Experian. 

I am writing to dispute an inaccurate address listed on my credit report. After reviewing my recent credit report, I noticed that an incorrect address is included, which does not belong to me and is affecting the accuracy of my credit profile. 

The incorrect address listed is : 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 

My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I kindly request that you investigate this discrepancy and remove the incorrect address from my credit report. For your reference, I have included a copy of my current utility bill and a government-issued ID verifying my correct address.

Please confirm receipt of this letter and inform me of the outcome of your investigation. You may contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information. 

Thank you for your prompt attention to this matter., I am writing to dispute an inaccurate address listed on my credit report. After reviewing my recent credit report, I noticed that an incorrect address is included, which does not belong to me and is affecting the accuracy of my credit profile. 

The incorrect address listed is : [ Incorrect Address ] My correct address is : [ Your Correct Address ] I kindly request that you investigate this discrepancy and remove the incorrect address from my credit report. For your reference, I have included a copy of my current utility bill and a government-issued ID verifying my correct address. 

Please confirm receipt of this letter and inform me of the outcome of your investigation. You may contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information.

Thank you for your prompt attention to this matter.,
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me ensure accuracy here is the item asking you to verify as accurate TransUnion XXXX XXXX XXXX Under 15 U S I NEED REMOVE THIS ACCOUNT FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for 5  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from XXXX XXXX  stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on my report.
Product: Credit reporting or other personal consumer reports

I'm citing the Fair Credit Reporting Act 15 USC 1681 section 602a which emphasizes the importance of consumer reporting agencies treating consumers fairly, impartially, and respecting their privacy rights. XXXX and XXXX, as consumer reporting agencies, must adhere to this. As a consumer, I have the right to ensure my private information isn't shared, as supported by 15 USC 6801, which stresses financial institutions ' obligation to protect customer privacy. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish consumer reports with written consent, which I haven't provided. Any consent previously given to XXXX, XXXX, or the furnisher of information to credit agencies is revoked. 15 USC 6802 ( b ) ( c ) mandates financial institutions to inform consumers of their right to opt out of information disclosure, which hasn't been done. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items without permission. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations. XXXX and XXXX are not meeting these standards. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am opting out of their reporting services.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate late payment history remarks on my credit report. Despite previous attempts to address this issue, these remarks remain on my report without correction. The information is incorrect and does not accurately reflect my payment history.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure that all information on my credit report is complete and accurate. By failing to update or remove these erroneous late payment remarks, your agency is not meeting its legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting hard inquiries on my credit report for the past year. Last time I looked there was something like 30 of them on all three credit reporting agencies and they tell me you can not dispute it. They are not mine and I would like them all removed immediately.
Product: Debt collection

I recently disputed a medical account with AR resources inc to validate an account ( XXXX2020 ) that I have with them and they sent me my medical bill and that is A HIPPA VIOLATION. I did not sign a HIPPA form authorizing this collection agency to access my medical records they are violating HIPPA policies and violating my privacy as well. I will send proof of the letter I sent and what I received from them.
Product: Credit reporting or other personal consumer reports

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Product: Vehicle loan or lease

I got stationed to Hawaii and leased a XXXX XXXX back in XX/XX/year> when I moved on the island. I thought I had put on auto payment ( thats what I heard from my dealer representative when I leased my car ) and went on an overseas XXXX and other war exercises. 

My wife usually manages finance, so I thought everything was good and I was busy with settling in, XXXX, and work. 

On XXXX XX/XX/year>, while sitting in my car during lunch, a car repo agent hooked, and repossessed my vehicle. Thats when I first found out that my account has been in delinquency since XXXX or XXXX. I never got any notice or letter of it and it was a total surprise. We think it was because we moved around before settling in and got a new mailing address in XXXX. 

I called Hyundai Finance right away and paid off what I owed plus repossession, late fees, and towing charges when I went to pick up my vehicle. 

I have never experienced this before and I am very concerned that it has negatively affected my otherwise excellent credit rating ( went down to around XXXX from close to XXXX ). 

In my case, Hyundai Finance clearly repossessed my vehicle without a court order or any other notices. I believe that is a clear violation of SCRA. 

Thank you.
Product: Credit reporting or other personal consumer reports

INQUIRIES : 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 

Move out all inquiries and delinquent account on my credit record. Add my credit point back.
Product: Credit reporting or other personal consumer reports

I did not understand any of the information because it was not mine, but my name was used or someone is confusing me to someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - 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: Mortgage

In 2016 Wells Fargo Put Pressure On Me. Threatening To Take My Home. I Was Talked Into Under Fear & Pressure To Sign Up For A New Program That Would Help Me.In Believing They Were Helping Me To Save My Home, The Program Was Called H.A.M.P Program. They Made It Worse, The Principle Amount Went Up Thousands Of Dollars. I Tried For Months Seeking Answers Why. I Was Told An Investigation Had Begun, Someone Would Contact Me. That Never Happened, Then All Was Handed Over To XXXX. XXXX Right Away I Notified XXXX.Right Away Telling Them Wells Fargo Had An Investigation In Process. Did Not Mean Nothing, Never Got An Answer. They Got Over On Me. I Know They Did, It Has Been XXXX Ever Since. How Can One Be Told Of New Program For Helping Me. In Turn, Got Worse, All The Statements Ive Read From Others Are All Negative, Wells Fargo, And XXXX. Something Is Just Plain Wrong Here. Will You Help Me Please. Thank You, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Equifax is reporting an account that was previously deleted from my credit report from XXXX, and sold to XXXX XXXX. and they started reporting the account on my credit report without sending out any notices in writing as required under FCRA and FDCPA. I have disputed these alleged account several times alone with documentation showing that this account was previous deleted from my credit report. I contacted XXXX to request verification of the debt after I saw it on my credit report and asked them why they did n't notify me before they placed these alleged accounts on my credit reports. I have documentation that shows a zero balance from another company that had these alleged accounts. I want these alleged accounts removed and not resold to another collection company so it can be placed back on my credit report. The Collection company is also in violation of changing the dates of these alleged accounts.
Product: Debt collection

I am writing to dispute and request the immediate removal of several accounts on my credit report that are inaccurately marked as charge-offs due to identity theft. I have recently become aware of this fraudulent activity, and I am taking prompt action to rectify the situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXXXXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

I have attached supporting documentation, including a copy of the identity theft report filed with the appropriate authorities and any other relevant information. This documentation serves as evidence of the identity theft and supports my request for the aggressive and immediate deletion of these erroneous charge-off entries. 

I understand that, according to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are required to conduct a reasonable investigation into any dispute within 30 days of receiving the dispute. Given the nature of identity theft and the potential harm it can cause to my financial well-being, I request that you expedite this process and take aggressive measures to remove the fraudulent charge-off accounts from my credit report at the earliest possible time. 

I kindly request that you provide written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. Additionally, please ensure that my updated credit report is sent to all entities that have received my credit information within the last six months. 

Your immediate attention to this matter is crucial, and I appreciate your prompt assistance in resolving this identity theft issue. If you require any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

XXXX did NOT respond to my request for evidence that a payment was late on XX/XX/XXXX in the account ending in XXXX. 

Commensurate with the CFPB lawsuit against Experian ( XX/XX/XXXX ), TransUnion, Equifax and Experian did NOT investigate or provide accurate reporting or a response.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$640.00}