23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My father passed away on XX/XX/XXXX. I notified his credit card companies ( Elan and XXXX XXXX ). Both said that the accounts would be closed and no additional charges could be made. Per my request, Elan sent a refund for {$120.00} on XX/XX/XXXX, as there was a credit on the account. 

My deceased father received an XXXX statement from Elan with a {$49.00} charge from XXXX XXXX XXXX MD. XXXX ) I have no idea who this is, and XXXX ) there were not supposed to be any additional charges on this card as of XXXX. 

I called Elan on XXXX. At this time, representative XXXX told me that the account was not closed. She referred me to the deceased cardholders department. 

I called this department on XX/XX/XXXX. Representative XXXX said that they have kept the account open for charges bc they didn't receive a death certificate from me and couldn't find one as part of public records ( In contrast, XXXX found it in public records and closed the account immediately when I called them. ) XXXX says that I must fax the death certificate and wait around 2 weeks for it to be processed. In the meantime, the estate is financially responsible for any charges made on the card. 

Regarding the current charge, she said it is up to me to contact the business. However, I don't have any information on how to do so.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate, or unverified accounts unresolved. The Consumer financial protection Bureau ( CFPB ) filed a lawsuit against Experian, Alleges systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failed to adequately notify consumer of dispute outcomes. These failures aligns with my experience where Experian has neither corrected nor removed disputed Items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective to remove or amend the disputed accounts, as XXXX inaction violates the federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : XXXX. XXXX XXXX XXXX. Capital One Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance.

The issues I am disputing are as follows : XXXX XXXX : The account was closed and settled but is still being reported incorrectly. 
Capital One : This account contains incorrect late payments.

Under the FCRA, I request that you : 1. Conduct a thorough investigation of these accounts.

2. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ).

3. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report.

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Purchased my XXXX XXXX XXXX in XX/XX/XXXX, i made an outstanding balance payment in XXXX ( past due XXXX ) {$1300.00}. My portal shows late fee, monthly payment amount, and total. My current balance is {$920.00} ( {$460.00} car payment + {$450.00} late fees ) ( late fees from XX/XX/XXXX ), my portal does not have an option to pay the late fees separately, only the full balance or car payment. I then speak to a ACA rep ( XXXX ) that informs me that late fees are processed and paid separately and that the balance I previously paid did not cover any of the late fees EVER ( because I did not know you had to call separately to pay over the phone ). I then speak to a rep from XXXX that informs me that I have to call and pay through an actual customer service rep and that they do not process late payments online. The portal does not inform you to call anyone to make late fee payments. The XXXX rep then informs me that the unpaid {$450.00} in late fees would be applied to my XXXX monthly payment, however there will still be a small balance of {$12.00} because my monthly payments are {$460.00}, she then tells me that if the {$12.00} balance is not paid by the due that another late fee of {$23.00} will be added but when the {$12.00} rolls over to XXXX payment the late fee isnt added, my new balance for the month of XXXX will be {$470.00}. I asked for my options on giving the car back because at this point thats {$30000.00} on a {$16000.00} car! Absolutely absurd!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX
Product: Consumer Loan

I received a negative remark on my credit report. Nissan put that i paid my car payment 30 days late. I did not pay it late. I paid it online and their system rejected the transaction. I wrote them and letter and called them and they still refused to remove. please help
Product: Credit card or prepaid card

I was legally withholding rent in FL due to an uninhabitable rental unit. My landlord fraudulently charged my credit card for my rent. He did not have my authorization and has created a fraudulent document to say he had my permission. It does not have my signature or my initials and I had never seen it before my bank showed it to me. It was a fraudulent charge and my bank chime has stood behind my landlord in keeping the rent money. I ended up terminating my lease that same month and had every right to withhold my money. Ive never paid rent with a credit card its not even listed as a way to pay it on the lease. I never lived in the unit during the month in question. I am getting no where with Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete these inquiries due to violation of 15 USC 1681b XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

Apple / Goldman Sachs has a security issue whereby the following : 1 ) Apple cards MUST ONLY be applied for with the use of an apple device 2 ) Apple DOES NOT prompt for the XXXX ID to use to register ( if using a company or other phone to apply for a card ) for the card in question 3 ) The card can not be re-assigned WITHOUT first de-activating the card and going through the approval process again which hurts the credit of the person opening/closing the account. 

Furthermore, the process stated above once the card is in fact stuck in a hijacked or taken over apple account that a user can no longer log into ( e.g : password change, email change, security question change, sim jacking, etc. ) the user is at the mercy of the crediting agency and can not change to a different ID or even recover the account. 

This causes multiple problems from a security standpoint and a credit protection standpoint. Additionally, there are NO online tools to protect or secure the account outside of the Apple ecosystem. So, if your phone or device without proper hardware is breached you are left in a state of suspense to secure or freeze the account. 

These practices are unfair to hard working Americans that large companies are taking advantage of and leveraging technology against them in order to impact ones credit with force closing and re-opening accounts. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dealership ran my credit report without my permission. I visited a dealership but I never gave the salesman my social security number and I told him that I will not give any permission until preliminary number were worked out. However, I found out that more than 20 companies ran my credit report without my authorization. My rights has been violated and now my credit score decrease because of that negligence. 

Once I received a copy of my credit report, I immediately report the problem with the credit bureaus but as of today, I haven't received a satisfactory respond from them or the company.
Product: Debt collection

Selip and Stylianou LLP filed a lawsuit against me, claiming they were doing so on behalf of XXXX XXXX. However, the following raises some issues with them suing me : 1. XXXX XXXX said that they charged off the debt and are no longer involved with it ( see attached letter from XXXX XXXX ). How can Selip and Stylianou LLP sue on their behalf if they are not involved with the alleged debt anymore? 2. Selip and Stylianou LLP filed a lawsuit with the Superior Court of XXXX County without ever attempting to contact me about the alleged issues they are suing me for. How can they file a lawsuit on someone without once attempting to contact the person to resolve the matter? 3. Selip and Stylianou LLP continue to send me papers DEMANDING answers to use in court regarding the issue but have not sent me any verification that I have asked from them as well. They have no returned any responses to letters I have written them, phone calls, or voice messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX nor XXXX XXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. XXXX XXXX XXXX contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX for the accuracy of this report. It has been 1 year since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand this inaccuracy to be removed from my report and to notify XXXX XXXX XXXX and XXXX XXXX of their discrepancies.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX XXXX XXXX ( XXXX ) for failing to properly investigate and verify inaccurate information on my credit report. 

I previously disputed the XXXX XXXX XXXX collection account with Equifax, but the dispute was not properly investigated. 
XXXX removed this same account after reinvestigation, which proves that Equifax 's verification process is flawed. 
XXXX XXXX XXXX has not provided a signed contract, original creditor billing statements, or payment history proving that this debt is valid under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

Equifax continues reporting " Consumer Disputes After Resolution, '' meaning the issue was never actually resolved. This violates 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy. 
The account may also be time-barred under state statute of limitations, and Equifax has failed to verify whether the debt is still legally enforceable under 15 U.S.C. 1681c.

Requested Resolution I demand that Equifax immediately remove this XXXX XXXX XXXX collection account from my credit report due to improper verification and failure to meet the legal requirements for accuracy. If Equifax refuses, I request written proof of their verification process, including all documents reviewed. 

If this matter is not resolved, I will escalate my complaint with the FTC, my state Attorney General, and seek legal counsel for FCRA violations.
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 : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

According to the FCRA account Apple Card-GS bank has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I logged into my Lending Club account and was greeted with a notice that Lending Club has changed their Bank Link Services Agreement. The notice wanted me to click " Accept. '' The change in policy now allows Lending Club to use MY bank account to " determine [ my ] eligibility for personalized offers. '' Since I don't want a giant, publicly-traded company to use my bank account information for marketing or other nefarious activities, I don't agree with the agreement changes. 

On XX/XX/XXXX, I called Lending Club 's customer service line and requested that my bank account be removed from the Lending Club account because I don't agree with the new agreement. I was told that I am REQUIRED to have a bank account linked to my Lending Club account. The only available option would be to remove autopay, but the bank account would still be linked. 

I would like my bank account to be unlinked from Lending Club. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to get my free credit report from Equifax and XXXX   but I haven't been able to, I have sent my identification and proof of residency but I have had no answer fronm them, A copy of my ID is attach to this complaint so they can issue copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XXXX XXXX, XXXX my equifax score dropped from XXXX to XXXX with no explanation or reason. I know there was a recent breach with equifax and maybe it has something to do with their error. My current address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I own this home as of XXXX XXXX, XXXX. My old address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX should be listed behind my current address. Please correct these errors immediately. Thanks.
Product: Credit card or prepaid card

Recently on XX/XX/XXXX I requested a credit limit increase for my card ending in XXXX an existing open ended credit card plan with Capital One. I was denied due to factors that violate the Fair Credit Reporting Act Pursuant to 15 USC 1681m ( b ) ( 2 ) ( C ) ( ii ). I suggest Capital One redeems my request to increase my credit limit on my exciting credit card, or Capital One will be in direct violation under civil liability.
Product: Mortgage

I sold my house in XX/XX/2022. I discovered an erroneous deferred balance added to my loan in excess of XXXX. I have tried for months to get my money back. The company has agreed they made a mistake but say they dont know how to fix it. Im so distraught and stressed over this unbelievable mistake and the lack of care and respect I deserve.
Product: Credit reporting or other personal consumer reports

see attached To Whom It May Concern, I received a copy of my credit report and found the following items to be errors. 
Here as follows are items in error : XXXX XXXX : This account doesnt belong to me/Account was sold to third party collection agency XXXX : I disputed this account and nothing was sent to me to legally verify this account. 

I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. 
Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 
* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX  - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SENT MY ACCOUNT - XXXX - TO COLLECTIONS AFTER IT WENT INTO DEBT ( I WAS IN XXXX ) XXXX XXXX DEBT COLLECTOR - XXXX XXXX WAS CONTACTED - AND THE DEBT WAS SATISFIED. XXXX XXXX HAS FAILED TO UPDATE MY CREDIT RECORD WHEN VERIFICATION WAS REQUESTED. XXXX XXXX WAS SEND ( 3 ) LETTERS - 1 Y CERTIFIED MAIL - WHEN COPIES OF THE DEBT PAYOFF - YET, THEY HAVE DONE NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to conduct a proper investigation and verify that the XXXX XXXX, Account # XXXX that is reporting on my credit report was in fact reporting accurately on my credit file. I have received documentation from Experian that states the XXXX XXXX account # XXXX was reporting correctly on my credit file. After doing my own research, I have found improper inaccuracies on my credit report after Experian stated the information was correct. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX