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

Hyundai XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with XXXX and Hyundai, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and Hyundai refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that Hyundai posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.
Product: Credit card

The card was never activated and has no charges. I requested account closure and removal of membership fees. The request ws accepted and the requested action completed.
Product: Credit card

Repeatedly, I have asked for the company XXXX to furnish me with copies of receipts, invoices, un-authorized signature purchases, and they refuse to do the diligent searches, efforts or comply with my requests. Instead, they have persisted in showing the balance as mine as personal, and owing, which I have adamantly DENIED. It was reported, and they DENIED this, and can not or will not forward the 'purchases ' to me. And then they report this to the 'CREDIT BUREAUS ' which post a NEGATIVE and as a result shows a lower XXXX number than I should be enjoying. This by all means needs to be corrected, or this company should be held accountable for denying me my buying power, and by 'dunning ' my worthiness as a legitimate purchaser. I need the help that you can lend, to make this creditor comply. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of  perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX XXXX
Product: Credit card or prepaid card

I've tried to contact Capital 1 directly, but get a message saying : " Looks like there's an issue with your account. Before we can chat, you'll need to clear it up. Check your account for more info on what to do next. '' When I click the link to correct the issue, nothing happens. So I can't get through to customer service. 

I paid off the account on XX/XX/2020. On XXXX XXXX I noticed there was an interest charge of {$55.00}, so I paid that off too. Now, on XXXX XXXX there is another interest charge of {$5.00}. Even though it's a small amount, I don't understand how it's calculated since there has been no transactions since last statement. ( See screenshot ). 

Also, I don't know if they will continue to add interest fees to this paid-off account in the future. Since they won't allow me to contact their customer service online, I can't ask them to correct this.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX 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  Bankruptcy Reference number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX  Account number XXXX have 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 agency can not furnish a account without my written instructions
Product: Credit card

I'd like the bureau to initiate an inquiry into the accounts where I've consistently been on time with payments, yet they inaccurately label me as late. I've diligently paid off these accounts every month, and it's unjust for them to report otherwise.
Product: Credit reporting or other personal consumer reports

I am lodging this complaint on my own behalf. Upon scrutinizing my credit record, I found instances of late payments. Despite sending letters over XXXX  days ago, I have yet to receive a response, and satisfactory validation has not been provided. I respectfully seek your assistance in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my credit file are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts were 100 % accurately mine, So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report # is : XXXX FTC report is attached and every account listed in my documents below are included in the report. 
Do not respond to me using a computer throughly look at my credit file and do your Job!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX I have been disputing since XX/XX/XXXX with XXXX and equifax that XXXX  XXXX verified as fraudulent and said they contacted credit to remove. Still has not been taken off my credit by either company
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I think this company is overcharging with fees, lateness, changes to XXXX rates artificially inflating my debt. Ive made payments for over a year and my balance is more than the original loan for solar panels. Solar panels were supposed to save me money but theyre doing just the opposite.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXXregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Debt collection

To whom it may concern, On XX/XX/XXXX, I entered into a consumer credit transaction with a local car dealership, ( XXXX XXXX XXXX XXXX ) where I obtained possession of a XXXX XXXX XXXX. At the time, I thought the transaction was done while operating in good faith. But now I understand my position as the consumer, as well as the power I hold as a consumer. After gaining a greater understanding of my rights. When I conducted this consumer credit transaction, I dont believe that Dealership offered a full disclosure to me as to what was really taking place in the transaction. I think they may have misrepresented themselves in the role they played in the transaction. On XX/XX/XXXX, I sent Capital One a Cease and Desist as well as Validation of debt letter via certified mail ( see attached ). I am requesting this information because I want to review the consumer credit transaction in its entirety. I want to review all the documents. They received this documentation was delivered to them on XX/XX/XXXX. On XX/XX/XXXX, I received their response to my request ( see attached ). In their response, they basically stated that they have reviewed my account, and they dont think they did any wrong and they were not going to be complying with my request. I was like so you are just refusing to do what I ask and just do what you want to. They must think they are above Federal law. Because in this case, their response was a direct violation of my consumer rights as a Federally protected consumer. It was blatantly disrespectful. Therefore, I am requesting the assistance of the CFPB in getting Capital One to comply with my demands.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB ) FCRA 611 ( 15 U.S.C. 1681I )
Product: Credit card

No one can explain why the interest rate increased. Payments are higher with no notice. Wasnt the original agreement.
Product: Debt collection

Radius Global Solutions is attempting to collect for two services both in the amount of {$280.00}. At the time of my injury I was insured thru XXXX XXXX XXXX XXXX XXXX. I presented my insurance information at that time. However apparently they did not submit to my insurance
Product: Debt collection

Debt was never verified nor did I receive a notice did not receive anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

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

This is my fourth 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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they is held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items sre verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

Dear sir and or madam please see attached of bureus response 's there is proof I did request my reports, attached is the same documents I attached in all three envelopes to XXXX Equifax @ XXXX proof of idenity I AM NOT PUTTING THIS IN THE MAIL AGAIN this is how identity is stolen and I don't appreciate them asking for it over and over again, as well I don't appreciate there emails to me soliciting credit watch and easy access to my files XXXX for a fee, if you notice there asking me to supply this information attached again, in attached clearly stating I filed a dispute when I don't even know what is accurate or not only thing I asked for with attachments included requested my report and ask them with supporting documents to add a consumer statement to say : Anyone trying to extend credit in my name to call my cell phone first @ ( XXXX ) XXXX as you can see and still not resolved I have supplied PROOF CFPB that you must protect us from companies like this and I am holding you responsible for failure forcing them to comply OI BETTER HAVE MY FULL REPORTS BY THE XXXX XXXX XXXX XXXX XXXX days are up
Product: Money transfer, virtual currency, or money service

Venmo froze my account because my bank account was supposedly connected to an account that was suspended. Customer support told me if I added a new bank account I should be able to transfer out the balance I have. I added new account. Account is still frozen. 

I have also asked them previously to close my accounts and erase ny bank accounts. They clearly did not. 

This is a very fraudulent company and their customer support and their account specialists are unprincipled, unprofessional, unhelpful and send generic messages. I want to delete all my data from their company and get the balance I have in their accounts and never use them again.
Product: Consumer Loan

Outsource Receivables & XXXX are both reporting the same debt and attempting to collect the same debt. They are in violation of the FCRA. 2 creditors can not collect on the same debt at the same time. I have been disputing this for months and they all claim it is valid! This is affecting my financing and my attorney agrees. PLUS THE DEBT IS PAST THE STATUTE OF LIMITATION ON THE COLLECTION OF DEBT.
Product: Credit reporting or other personal consumer reports

I've been attempting to login to my Experian credit profile account and simply can not get authenticated. I have a valid userid and password which work, but Experian 's login process then requires two factor authentication of my identity. Verification of identity using a two factor system is great when it works, but Experian 's system seems to be unable to send me a text, call, or email with an authentication code. I do not know why, but none of their options allow me to receive their verification code. 

I have mailed a letter to their XXXX XXXX in Texas requesting further assistance with this verification process so that I can then manage my account profile ( e.g. place a freeze on my credit profile etc ), but I got zero response from Experian to my letter.

Unfortunately, there is NO way to speak to anyone at Experian- they don't want to help you by giving you an option to talk to their customer service people, so after not receiving any response to my letter requesting assistance, I have no where else to go for help.
Product: Debt collection

On XX/XX/2020 I had the SOS Group ( Original Debtor is XXXX XXXX XXXX ) put a number of delinquent accounts under collection on my SSN. I moved in XX/XX/2020 and even after filing a change of address, I did not receive the collection letters. As soon as I did receive them, I paid off the collection immediately. 

I worked for a company named XXXX XXXX. I had insurance through them and the company was sold in 2020. The insurance switched over to the new company, XXXX. The insurance company changed from XXXX to XXXX XXXX XXXX XXXX. 

XXXX has been sold as well to XXXX. I have tried contacting someone on this and they tell me to contact the debtor. SOS Group tells me to contact XXXX XXXX. XXXX told me the account shows paid but when I apply for credit, I am being denied due to collections. I pay all my bills on time and pay my credit cards off monthly. I do not work with that company anymore. Since the buyouts, I think I may have fallen through the cracks with my complaints. My bank told me to contact the FTC. 

What options do I have available to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$400.00} COLLECTIONS XXXX {$4900.00} XXXX XXXX {$15000.00}
Product: Debt collection

On Wednesday XX/XX/XXXX, Bank of America seized {$1200.00} from my joint checking account ending XXXX to offset a Bank of America past due individual consumer credit card debt. I contacted the bank the same day to request a refund and explained the following : 1 ) federal law limits the right to offset to payoff consumer credit accounts 2 ) this is a joint bank account 3 ) I'm experiencing financial difficulty 4 ) the remaining funds of only {$100.00} doesn't leave money to cover living expenses 5 ) funds are for child support and exempt from offset I spoke with a Bank of America supervisor that oversees checking accounts by the first name of XXXX ( last name unknown yet was requested ) with ID # XXXX in XXXXXXXX XXXX. The call was recorded as I stated the following in summary : " I tried to reach the merchant directly to resolve the matter but to no avail. I will file a complaint with the CFPB to open an investigation on the matter. '' The first checking account offset occurred on XXXX XXXX in which Bank of America offset my individual checking account to offset my individual consumer credit card debt for {$610.00} from account ending XXXX. I was experiencing financial difficulty at that time and receiving unemployment benefit as I've been unemployed since XX/XX/XXXX thru the present. I requested a refund for the same aforementioned reasons noted above but no refund was issued.