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

XXXX XX/XX/XXXX I called XXXX bank to report fraud. XXXX XXXX about XXXX in the amt of {$110.00}, plus late charges, and XXXX charges. Was told my Credit Bureaus would update and receive a new card in the mail XXXX to XXXX  days. On XX/XX/XXXX I called again cause I received a statement that still had all the charges on them. XXXX XXXX XXXX XXXX transferred to XXXX in XXXX XXXX XXXX XXXX was told I owed nothing and she would expedite a card as soon as matter was resolved. XX/XX/XXXX called again as this is still on Credit Report. I s/w XXXX then XXXX to XXXX in XXXX XXXX XXXX XXXX they sent a letter & new card on XX/XX/XXXX stating I was not at fault for charges. Have not received anything as of today XXXX XXXX waived XXXX late charges and interest. I supposedly have a {$0.00} balance. She was sending a request to open my acct again. but no guarantee this would happen.XXXX XXXX for Credit Bureaus to update. I don't understand why she's asking to have a new card and to open my Account since they went in my favor and supposedly on XX/XX/XXXX sent me a new card that I have not received. Probably haven't received because they never get my address correct. They keep putting XXXX XXXX XXXX XXXX, XXXX, ME XXXX. When it should be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ME XXXX. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX. Acct had been deleted and {$8.00} charge was forgiven. That this should not be on my Credit report. It would be 30 days to update. I would have to apply for a new card. This {$8.00} charge was in dispute as I had ordered slippers that XXXX sent to my old addess in MA XXXX XXXX XXXX XXXX, XXXX, MA. I was told I was not responsible for that charge. The slippers should have been sent to XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX. Instead they close and delete my account. As of today this is still on my Credit Report. I called them and XXXX XXXX and XXXX stated that it would be another XXXX to 45 days. 

I haven't had time today call XXXX XXXX. As this was told to me on XX/XX/XXXX this would be off my Credit Report as well. I had been XXXX XXXX XXXX XXXXXXXX. They took off my late charges and I made double my payment on XXXX card ending in XXXX of {$200.00}. The other XXXX XXXX card ending in XXXX was paid off and now have a {$39.00} credit as I must of over paid. 

My XXXX XXXX card with the government was hit with fraud as well at the same time. They are the only ones that resolved everything for. 

I feel like I am being punished for something I didn't create. None of this was my fault. They made promises that were never followed through with. I will now call them every 7 days until this is resolved or you can help me fix this. This has been a horrible ordeal as I am in the middle of trying to get a mortgage to buy a home. Now I can't and the home I want will be gone before this is resolved. 

Please reach out to me for more information if needed. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX bank of america credit cards that went to delinqunt in XX/XX/year> and later charged off. But it shows in the report as XXXX XXXX are supposed to be removed from the credit report as they passed 7 years. XXXX removed those XXXX accounts from the file but XXXX and XXXX are coming back saying that the XX/XX/year> is the correct date and not XX/XX/year> and hence they are not deleting the accounts. I tried reaching out to the bank of america and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but XXXX comes back that Bank of america responded with the information is correct. If that us the case why Bank of america says they don't have information when I contact. XXXX, XXXX and Bank of america are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request negative accounts be reported correctly as In good standing accounts on my EXPERIAN report accounts XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX  XXXX XXXX accounts show discharged through bankruptcy XXXX  XXXX and potentially negative on my Experian credit report I have disputed these items with Experian. Experian responded accounts verified bankruptcy with third-party XXXX. I have received the Results of the Reseller Dispute from the XXXX file in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq ). As of XX/XX/XXXX, the dispute information has been removed from my file at XXXX. XX/XX/XXXX XXXX dispute filed with Experian but has not received a response. I have attached a dispute letter from XXXX with my driver 's license and social security card for verification. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the whole social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions, and criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the whole social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similarly situated class decide to pursue such action. Therefore, I request that reporting discharged through bankruptcy XXXX  XXXX be removed from accounts immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the negative accounts reporting from my credit reports.
Product: Vehicle loan or lease

I brought a XXXX XXXX XXXX  with XXXX miles on it from XXXX XXXX and XXXX XXXX in XXXX of XXXX the cost of the vehicle was roughly 21,000 it was financed by Chrysler Capital at an interest rate of 16.2 for 72 months all 72 payments have been made at this point I was told at the end that I had a balloon payment of about {$10000.00} I called to find out how is that possible when all 72 payments was made I was told that Chrysler Capital policy is if you late on any payments they have the rights to only apply your payments to intrest only and not to the principal so what they did was stop applying anything to the principal of the loan for at lease a yr which creates a balloon payment at end of your loan. base on a class action lawsuit that have been file against them not only do they Chrysler Capital do this to people who might make a payment late they been doing it to people who pay on time. It is just Chrysler Capital policy to use predatory lending practices against any minority or anybody with a low credit score also what Chrysler Capital have been doing is taking advantage of people with low credit score and feeling that they can discriminate against them because they credit score. this predatory lending practice is outrageous not only that Chrysler Capital also charges you late fee plus interest on any late payments made late so you are being charge intrest over the 72mn and interest on the late fee they are inaccurately reporting these large payments to the Credit Bureau it is outrageous to think that you make 72 payments and then your told at the end you still owe Chrysler Capital {$10000.00} for a car that only values about {$5000.00} what they want you to do is to be afraid that they are going to repossess your car so you will negotiate so they can get more for a car that value have depreciate this practice is racially motivated and discriminately against minorities I was told even though the 72 payments have been made I will not be able to get the title for my car unless I pay this {$10000.00} I am looking for this {$10000.00} debt to be removed from my credit report I am looking to resolve this issue with Chrysler Capital for anymay late fees only no interest.72 payments have been made and the car is mind I do not owe them {$1000.00} i will not give them {$10000.00} i will take whatever legal action to stop this process from happening it is unfair no normal car loan or car company would do this to a consumer to try and Rob them to use predatory practice to manipulate and connive is unlawful I'm asking Chrysler Capital to remove this debt from my credit report I am asking them to clearthis loan if there is any late fees I am willing to pay it without no interest onthe late fees the 72 payments have been made and I would like to have the title of my car
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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've been informed that you do not restrict files when they are supplied along with an FTC fraud report. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my documents to my lawyer to begin a legal case if you decide not to stop the items stated below from reporting incorrectly as a result of identity theft. Please obey the law as it is not my aim to take legal action... 

The following things should be removed since they were opened without my permission or knowledge and are fake. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I require copies of any paperwork related to this account that has my signature, as I am aware that none exists, if you insist that these claims are entirely true and provable. I formally request that this information be promptly removed from the credit file you keep for my Social Security number in the absence of any such proof with my signature. 

Please be aware that if you discover any information in my credit file that you believe to be the product of suspected identity theft, you have four business days to stop reporting it. E-OSCAR or any other kind of automated verification is not acceptable to me.
Product: Credit card or prepaid card

My complaint is regarding Capital One 's non-compliance with the rule stating that I am to be informed of the reason for a denial of a credit application which they solicited. 

I have an active account with Capital One. I have very good credit with them ( and an excellent credit rating overall ). I received an offer last month for an " exclusive pre-selected offer '' because " I'm one of a few special customers. '' I completed the application on line and was immediately denied. I called Capital One, and the agent explained that by law, the company is required to provide me, in writing, an explanation for the denial, assuring me that I would receive it in 7 to 10 days. I waited four weeks, and still have not received any letter explaining the reason for denial. When I called last week for further explanation, the agent hung up on me. 

I have, however, received two more " exclusive pre-selected offers '' for the same card. Of course I will not waste my time, but I am still interested in why my application was denied. 

Thank you.
Product: Credit card

I purchased a dishwasher from XXXX XXXX XXXX on XX/XX/XXXX and never received the correct item that I purchased. A different dishwasher of the same brand name was delivered to me which had a large steel/ silver bar on the bottom that was not on any of the merchant 's website photos when I made the decision to purchase the item. 

The merchant sent me useless replacement parts in an attempt to conceal the silver bar but they did not fix the issue and a contractor I consulted with to modify the machine also told me it could not be done. 

I reached out to the merchant multiple times asking for them to allow me to return the incorrect item and refund the charge. However, they continue to insist that the machine they delivered matched their website photos even though it does not. 

I enclosed a screenshot of a chat conversation with the merchant that took place on XX/XX/XXXX in which the merchant referred me to the manufacturer when I asked them to return the machine. The purchase was not made through the manufacturer and the manufacturer referred me to merchant XXXX XXXX to resolve the issue.
Product: Credit card

I paid my card off and company kept charging fees and interest even though account is closed.. the credit card company is synchrony bank
Product: Checking or savings account

I was charged XXXX in atm fees in XXXX and XXXX. I called the company and they refused to do anything. I am on social security and can't afford all these fees
Product: Credit reporting or other personal consumer reports

Write a formal dispute letter to the credit bureaus ( Equifax, ) requesting the removal of unauthorized inquiries. Include : A list of the fraudulent inquiries ( e.g., XXXX XXXX XXXX  - XX/XX/year> ) A statement explaining that you did not authorize these inquiries A request for removal under the Fair Credit Reporting Act ( FCRA ) A copy of your Identity Theft Report ( filed with the FTC or police ) I would like this inquiriesto be removed from my credit report
Product: Credit reporting or other personal consumer reports

I sent in financial history from XXXX XXXX that proves they are not reporting accurate payment history, late payments, and balance. Credit reporting agencies are not considering documents submitted by me or conducting an independent investigation for XXXX XXXX XXXX XXXX that is as required.
Product: Credit reporting or other personal consumer reports

Hi Experian, I just received copy of my credit report again and I saw this fraud car loan that shall delete from my credit report. I spoke to XXXX XXXX XXXX and I was told that this account is no longer in the system and I have the right to have this inaccurate information delete from my credit report. I would like to exercise my right and have this account delete from my credit report since the original lender advise me this account was a fraud. 
XXXX XXXX sent me the identity theft victim complaint and affidavit which I already sent back to them. 

I am aware that, as per 15 U.S.C. Sec. 1681 i { a }, you are required to reinvestigate or delete this fraudulent account within 30 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, and again on XX/XX/XXXX, XXXX hard inquiries were placed on my Experian credit report by XXXX XXXX XXXX. These inquiries are set to remain on my record until XX/XX/XXXX and XX/XX/XXXX, respectively. I only have one authorized credit card with XXXX XXXX, which is correctly reflected on my credit report, but I did not apply for any additional credit or authorize these XXXX inquiries. 

I contacted Experian directly to dispute these unauthorized hard inquiries, but I have not received a satisfactory response or resolution. These inquiries are negatively impacting my credit score, and I am requesting that they be removed. 

Thank you for your assistance in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting XXXX, Transunion and XXXX and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I initiated an investigation with Experian in which they completed on XXXX XXXX, 2015, Report # XXXX. At this time I requested documentation as to how the following items : 1. XXXX Now-Account # XXXX ... was verified as accurate. 
2. XXXX XXXX XXXX-Account # XXXX ... was verified as accurate. 
These accounts are not at all accurate and I have requested several times proof as to how they were verified in accordance 15 USC ... and to date have yet to receive this information. 
when it has several
Product: Debt collection

Portfolio Recovery Associates has a collections account on my credit report that contains wrong information. Portfolio Recovery Associates intentionally put wrong information so that the trade line would stay on my credit report for a longer period of time. Portfolio Recovery Associates has engaged in deceptive business practices in flagrant violation of the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

I called TransUnion to report that I am showing 17 inquiries on my credit report and that I had disputed inquiries with XXXX and experience already and they were removed. TransUnion told me that I have to file a report with the FTC in order to remove these inquiries and asked for me to submit to them a report from the FTC.
Product: Credit reporting or other personal consumer reports

This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account successfully disputed and removed, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in XXXX that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through Jefferson Capital Systems. The XXXX report makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times. It shows as a new collections account and has significantly reduced my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/XXXX Date you sent the fist letter ) I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household.

I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

Opportunity to cure Default Final Notice PURSUANT 15 USC 6802 ( B ) i am living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING XXXX XXXX bank # XXXX # XXXX XXXX XXXX XXXX