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

I have been renting the same apartment for the last 10 years, however have been recently looking for elsewhere to live because of the rising cost of living, it is a strain to pay rent and to be closer to work. As a background, I have an excellent credit score ( but very little history ), no criminal history and no evictions or court appearances. On XX/XX/2023, I applied for affordable ( section 40B ) housing through a property management company, we'll call XXXX XXXX. The move in date was to be XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me that I was denied the apartment because of a check that was run on me through their renter screener company ; we'll call it XXXX XXXX. I called XXXX company for clarification. They provided me with a report and explanations. These reports showed that indeed, I have no criminal history, great credit score and good rental history. However, they assign an aggregate score. This score was quite low. When pressed for clarification as to how they got this score, XXXX XXXX stated that they aren't responsible for the parameters of denial and I would need to contact the property management company. XXXX XXXX said that they don't know how the score is calculated. Based on a score which can't be explained, I was denied more affordable and convenient housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and XXXX is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also 2 different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cXXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

late payment showing on my report but not showing on capital ones side.
Product: Checking or savings account

On the day of XX/XX/year> I had an overdraft fee of {$910.00}. I was not able to deposit the funds needed to prevent this fee the previous night because my vehicle broke down. I proceeded to cover that fee with a deposit of {$910.00} the morning after. Later in the day of XX/XX/year> I noticed another negative balance out of nowhere for {$32.00}, I was unaware of how this occurred because I had already taken care of the overdraft fee initially and I had not used my banking card for any other transactions after that and no other negative should have been shown on my account. 

Over the course of the next day I proceeded to check my balance again before contacting my bank because I wanted to get an explanation on how I had incurred another negative balance again. I was shocked because now I had a total of XXXX overdraft fees leaving my account with a larger negative balance of $ XXXX called my branch manager named XXXX she said she was not able to assist me because there was a new a bank policy that began this month of XX/XX/year>, that prevented her from being able to remove any overdraft fees and that it was a different department which she did want to inform me who or what that name of that department is, and that that was the reason she was not able to say or do anything on her part to assist me with this issue. Previously in the day, I had contacted another bank from the same United Bank branches In XXXX, VA and he told me to call my local branch who opened my account so that they could assist me because he said the manager is who would be able to assist me, however I did get any help from her. I am very upset with the way they treated me, because I never got answers as to why this happened and I never received an adequate answer as to whether or not they would remove these unfair overdraft fees which they knew was a bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with XXXX XXXX. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the bigamy charges. He fraudulantly kept the house ( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges. According to the magistrate. 
I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But XXXX insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. XXXX  lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : XXXX/XXXX XXXX/XXXX  ( XXXX  ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  ( ( XXXXVisa ) XXXX/XXXX  ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX  - XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX 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

I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " XXXX XXXX XXXX  XXXX / XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from 2009 and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my account {$270.00} Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit card

I am writing to file a formal complaint regarding the deceptive practices I believe I have encountered in relation to my account ending in XXXX. 

I initially entered into a promotional agreement with Capital One that offered a low interest rate for a limited time. However, once the promotional period ended, my account was subjected to an excessively high interest rate. This has resulted in a situation where almost half of the balance I owe is now comprised of interest charges and fees. 

I firmly believe that this practice is unfair, and it seems to be affecting millions of consumers, potentially amounting to more than {$2.00} billion in unnecessary charges. I feel that this is a clear case of consumer exploitation, and I am deeply concerned that I am being negatively impacted. 

Despite my multiple attempts to reach out to Capital One for assistance in mitigating these charges and remove the excessive interest rates and additional fees, I have received no meaningful response. This situation is not only placing a heavy financial burden on me, but it is also severely damaging my credit score. 

I am requesting a full review of my account and a fair resolution to this issue. Specifically, I am asking for a reduction in the interest rate, the removal of unjust fees, and a correction to the negative impact on my credit score. If this matter is not addressed promptly and fairly, I will consider taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution.
Product: Credit card

XXXX XXXX which was a XXXX account was closed and then XXXX sold it to Synchrony, which has now been changed to something else. The website is down, you can not make a payment or get access to any synchrony accounts : Including JC PENNY and Care Credit. The online chat is no help the person just said refresh and try a new browser. The phone number provided is no longer in service. Neither company can find my XXXX XXXX Account, which has happened many times in the past. It was an online bill pay which got messed up, but since resolved. They do not send paper bills any longer and the online services are not accessible. Synchrony has been a problem from day 1 when they bought my account. The emails that are sent to say your bill is due, provide a link which is no longer in service. There is no way to make any payments, but they will charge a late fee and past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. XXXX, XXXX, and Experian refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of VerificatioXXXX. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
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 right to privacy and confidentiality under 15 USC1681. # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> noticed some thing are incomplete not accurate .and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 use 1681 ( e ) ( B ). and according to 15 use 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) IN general after reinvestigation under paragraph ( 1 ) of any information disputed
Product: Debt collection

In XX/XX/2021, I was informed by XXXX XXXX about a collection that I had no knowledge of. I immediately contacted the collection agency to clarify that the debt was not mine and was a result of fraud and identity theft. However, the collection agency has not fulfilled their obligation to prove the validity of the debt.
Product: Credit card

Closed my account at Barclay 's because they are unable to process my bank payments ( although no other companies have this problem ) Called every month since XX/XX/XXXX to try to resolve issue. They say they will take off late fee and I should only pay 'x ' amount. I send in a check and pay the amount and they charge me for not paying the late fees. Now they are charging me late fees on the late fees in addition to a minimum charge. 
XX/XX/XXXX : called and was told balance now XXXX + previous late payment charge. Agent said they will take away late payment so final payment is XXXX. Check sent for {$14.00}. 
XX/XX/XXXX have bill of {$58.00} all late feesXX/XX/XXXX, XXXX : called to resolve problem, phone system not working at Barclays any of these numbers XXXX ; XXXX ; XXXX
Product: Bank account or service

Wells Fargo has been charging me overdraft fees because their system did n't post my atm withdraws from mom and pop stores until days later even though when I made the atm withdrawals, I had adequate funds to cover the withdrawals as authorized by Wells Fargo on each transaction. I am told by Wells Fargo that the problem was that there was a delay in their system.
Product: Debt collection

I entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt.

Mercedes Benz Financial Services was sent a notarized notice Pursuant to the Fair Debt Collection Practices Act as defined under 15 usc 1692g. Pursuant to GAAP ( Generally Accepted Accounting Principles ) Mercedes Benz Financial Services must prove that money left their account if they gave a loan.

Mercedes Benz Financial Services continued communicating violating 15 usc 1692b. ( 2 ) ( 5 ), 15 usc 1962d ( 1 ), and 15 usc 1962f ( 8 ) as defined. After such communication, I communicated with Mercedes Benz Financial Services as defined under 15 usc 1692c. ( c ) 2. On XX/XX/XXXXat XXXX, Mercedes Benz Financial Services further took action violating 15 usc 1962f ( 6 ) ( A ) ( B ) ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   XXXX  ACCOUNT NUMBER : XXXX
Product: Debt collection

HARVARD COLLECTION IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT. THIS ACCOUNT IS UNVERIFIED AND UKNOWN. IT IS SHOWING A BALANCE OF {$780.00}. THIS ACCOUNT IS IN VIOLATION OF THE FCRA AND THE FDCPA. SINCE THIS ACCOUNT IS STILL REPORTING TO MY CONSUMER REPORT " I WILL BE SEEKING FOR DAMAGES FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT UNDER THE FCRA '' ( Delete this account from my consumer report within 7 days, and send me my check for {$1000.00} within 2 weeks of this complaint. ) OR I WILL BE SEEKING FOR DAMAGES UNDER THE FDCPA FOR UP TO {$1000.00} PER VIOLATION. YOU HAVE 7 DAYS TO DELETE THIS ACCOUNT FROM REPORTING TO MY CONSUMER REPORT OR I WILL IMMEDIATLY BE FILING A LAWSUIT FOR DAMAGES. HARVARD COLLECTION WILL BE THE ONE HELD LIABLE AND FILED SUIT AGAINST BECAUSE YOU ARE THE ONE THAT IS REPORTING THIS ACCOUNT TO MY CONSUMER REPORT. AGAIN, IF THIS ACCOUNT IS NOT DELETED WITHIN " 7 DAYS FROM THE DATE THIS COMPLAINT '' IS MADE, ( XXXX ) I WILL HAVE TO TAKE LEGAL ACTION TO SEEK MY REMEDY FROM HARVARD COLLECTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2021 2021
Product: Money transfer, virtual currency, or money service

Square we used as we initially started our business but they are assuming one of our transactions was fraudulent. They have locked up the funds for 90 days they are saying. Cash flow is vital when starting a business, and profits from 2 sales are locked up. 

We operate by charging the customer full amount up front, to then order the cabinets and begin assembly to deliver. Ive had to fund this project from our personal accounts to save face with the client.