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

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I am writing because I have an auto car loan with Capital One auto Finance. I have paid this car since XXXX. During the pandemeic they agreed to put all the past due payments to the end of the loan not interest was removed. The car was just reposossed. I need my vehicle back. I want to pay it but I am going through financial hardship. They just came and took the vehicle. They say I owe the car 105 days. They vehicle is paid ahead of time.
Product: Checking or savings account

On XXXX XXXX I received a communication from USAA asking me to verify debit card activity on my account. I was traveling on business and didn't have access to the many references they require to deal with their customer service. They then put a block on my account so even routine transactions from trusted merchants wouldn't post XXXX XXXX, XXXX, etc. ) They did this on their own without consulting me or having any indications of fraudulent activity on my account. 

I don't live near a USAA branch so I have no other way to access my funds directly. 

When I returned home from my business trip I called them on XX/XX/2019 and spoke with XXXX. She refused to reactivate my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been advised that adverse information is contained in my LexisNexis report. I have submitted information to them multiple times to get a copy of my report and despite being advised it was being sent, I have not received it. I need to purchase a home and this is causing a hold up.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX  Account # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX Account # : XXXX XXXX. Late Payments in Payment History XX/XX/XXXX : o XXXX : OK ( on-time ) o XXXX  : 60 Days Late o Equifax : XXXX ( on-time ) XX/XX/XXXX : o XXXX : OK ( on-time ) o XXXX  : 30 Days Late o Equifax : OK ( on-time ) XXXX reports incorrect late payments for XX/XX/XXXX ( 60 Days Late ) and XX/XX/XXXX ( 30 Days Late ), while XXXX and Equifax show " OK '' ( on-time ) XXXX This inconsistency indicates possible errors in XXXX 's reporting. 
2. High Credit Discrepancy High Credit : o XXXX : {$1200.00} o XXXX  : {$1200.00} o Equifax : {$0.00} Equifax incorrectly reports the High Credit as {$0.00}, which contradicts the other two bureaus. 
3. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o XXXX  : XX/XX/XXXX o Equifax : XX/XX/XXXX Equifax reports an earlier " Last Reported Date '' compared to XXXX and XXXX, indicating that Equifax 's information may not be up-to-date. 
4. Date Last Active Discrepancy Date Last Active : o XXXX : XX/XX/XXXX o XXXX  : XX/XX/XXXX o Equifax : XX/XX/XXXX XXXX reports an earlier Date Last Active ( XX/XX/XXXX ), while XXXX and Equifax show dates in XXXX. 

I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Equifax , Inc throughout the year via CFPB about the inaccurate reporting of non-public information..The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. As a federally protected consumer, I have a right to privacy.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification ) CAF Notice, Power Of Attorney, Fee Schedule Name Copyright
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that i would like to remove off my credit report. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX  XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account. Furthermore, XXXX XXXX  XXXX XXXX has committed aggravated identity theft by reselling my private information to a third party ( NCB in this particular case ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX  - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}
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 XXXX. 

Account Name : XXXX Account Name : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the proper paperwork to XXXX they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Rcvd an unknown call from someone claiming to be from XXXX, XXXXXXXX XXXX XXXX  They provided a phone # of XXXX and provided XXXX # XXXX from an alleged debt from XXXX. 

They advised they are trying to serve me with a Civil Judgement. 

I advised I have no debt with said creditor " Chase '' and did not sustain that debt. 

Person on the phone said she did not have any further information and wished me good luck. They were pretty rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just found out tonight that I have a social security variation on my XXXX  credit file. I called XXXX  and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, these agencies 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 reporting agency can not furnish an account without my written instructions. 
TransUnion violations : Closed account, XXXX XXXX # XXXX XXXX XXXX. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XXXX and XXXX XXXX closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XXXX XXXX  XXXX XXXX. 

XXXX Closed accounts : XXXX  XXXX, XXXX XXXX with 2 accounts and XXXX  Please remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 : Purchase electronic from XXXX using PayPal pay in 4, payment processor due to its flexibility. I notice PayPal purchase protection. 
XX/XX/2021 : Receive the item with quality or shipping defect after testing out.

XX/XX/2021 : Contact XXXX. Their agents are scripted and not in the power to help me. 
XX/XX/2021 : Contact PayPal via chat. Agent told me how to file dispute. 
XX/XX/2021 : Filed escalated dispute. 
XX/XX/2021 : The merchant replied to return the product to be eligible for a refund but at my own expense. I have no option to rebut from my side, only option to upload shipping info. PayPal is not investigating in the interest of consumer but in favor to merchant. They only give me option to enter or upload shipping info after the return.

So I asked PayPal, " The reason I opened the dispute case was because of product defect whether due to shipping mishap or factory error right out of the bat. Why would I need to return ship to XXXX at my own expense while Its not my fault and covered by PayPal purchase protection? '' PayPal closed my chat with no answer. They are avoiding. 
XX/XX/2021 : PayPal is sending out the email about some changes to legal agreement. Guess what. which includes changes in purchase protection without detailing anything.

but there is no answer or closure for me in dispute.

The industry is taking a toll because the company like PayPal is not doing the job investigating from the side of consumer and letting merchants to rip-off when they shipped the product with no QC. It was like you go to auto shop for an oil change and was charged and told the oil change was done without actually changing the oil. Basically nothing has done and the consumers like us getting charged. In fact, ripped off. 
Moreover, even shipping back to XXXX, at my expense and not at my fault, is another job for consumer and it requires me to fill out custom form and then I am asked to provide XXXX XXXX XXXX ( XXXX ) number which I got no idea what that is. So, how do I ship back? Still, no answer from PayPal.
Product: Mortgage

There are reports of a mortgage with Equifax Mortgage Services on XX/XX/2022 and XX/XX/2022. I have never requested any mortgage service because I already own my home. This was not initiated by me.
Product: Debt collection

Re : Notice to Cease and Desist for Specific Activity Dear Fair Collections and Outsourcing, Due to Inaccurate information reporting on my credit report, this letter is served upon. 

If you do not cease the aforementioned Activity a lawsuit will be commenced against you. 
You have violated multiple laws as a consumer I have rights including, *15 USC 1681 ( b ) *15 USC 1692 ( c ) *15 USC 692 ( g ) *15 USC 1681i ( 5 ) If the Activity continues, I will immediately seek a temporary restraining order in the District Court against you and any accomplices in this matter. I will also seek monetary damages to be proved at trial. Hopefully, this recourse is unnecessary, as I have my interests to protect and will vigorously do so. 

You will not receive another warning letter. If you do not confirm in writing to me by the 26 days of XX/XX/2023 that you will cease violating our Agreement a lawsuit will be commenced immediately. 

ALSO THE FEDERAL TRADE OF COMISSION IS FOLLOWING THIS COMPLIAINT AS WELL.
Product: Checking or savings account

I contacted XXXX XXXX about a transaction for XXXX that I did not make they told me the would look into it and take care of it. I contacted my local police department first to report the card missing/stolen. I then contacted XXXX XXXX and was told the above then a few days go by and I was told that they said after there review they can not refund me. I have requested to reopen the case and also requested any documentation supporting there decision and all they have done so far is reopen the case. I am still waiting for them to provide any documentation they may have. The bank is XXXX XXXX  witch is XXXX XXXX or XXXX I have been sending message after message to them with no response. This transaction is not part of my spending habits and I thought my bank stated they monitor your spending habits to prevent fraud because they have stopped transactions for XXXX $ or XXXX $ from the same store for me witch was actually me making them but when it came to a almost 1000 $  purchase they do n't block it and do not help me get my funds back. I am also on top of this claim submitting one to the Board of Governors of the Federal Reserve System. Anything you do for me will be of great help. Thank you. Also this was a international charge on top of everything else! And I have never made one before.
Product: Debt collection

I contacted Capitol One on XX/XX/year> to settle a debt. Initially I asked to have the debt removed if possible due to how it was affecting my life and also due to life altering circumstances such as the loss of my mother and job. 

We agreed on 30 % forgiveness and that it would be updated in the system, Id receive documentation via email in 24 business hours so I could provide it to my realtor and my job so I could make progress in regaining my security clearance. 

They took the payment immediately, it still shows I owe a debt on their system and I havent received my confirmation of debt resolved letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was collection account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a Collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with this account listed below, so please help me remove this Collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : DEPT OF ED/XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Mortgage

Fidelity National Title Agency is charging {$2300.00} in " late fees '' when I have not paid late. Fidelity has told me over the phone, that even though the late fee issue was not my fault, they will not remove the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed and the beginning of the year of some unusual activity on my credit report my email was on the dark web and this company keep showing up first as XXXX  got it deleted then it shows up as Wafefield & Associate and got it deleted so I put a freeze on my credit and put a fraud alert as well but for some reason this company keeps coming back on my report and I keep loosing all these points please help and advise
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CAPITAL ONE AUTO FINANCE The address listed on the credit report is : XXXX XXXX XXXX XXXX, TX XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Capital One Auto Finance have NOT removed this account from my credit reports, or have sent me any kind of validation.

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports.

Thank you for helping me resolve this matter.
Product: Checking or savings account

On XX/XX/XXXX around XXXX to XXXX XXXX  CST, I attempted to deposit {$4200.00} cash into my Bank of America checking account through the ATM located at XXXX XXXX XXXX, XXXX XXXX, AR XXXX. 

After the ATM took my money, its screen flashed an error message that lasted for about 5 to 10 seconds. Then it restarted the screen by asking if I wanted to deposit or withdraw as if nothing was deposited. 

I also deposited a separate {$6200.00} cash into my account during the same ATM trip. That was successful. 

On the following day, XX/XX/XXXX I called BoA and started a claim. On XX/XX/XXXX, I received a letter in the mail from BoA stating they were unable to approve my claim. 

I would like BoA to : - Investigate the daily ledger for that ATM on both XX/XX/XXXX and XX/XX/XXXX, so the actual cash in the machine and total amount deposited ( minus withdraws ) are equal - Pull the ATM 's transaction logging and investigate that error message - Investigate the video footage for that ATM between XXXX to XXXX XXXX  CST on XX/XX/XXXX XXXX