23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  reported late payments in regards my credit card that I hold with their company to Equifax, XXXX, and XXXX which is a violation of my rights under the Fair Credit Reporting Act. I have made several attempts to resolve this issue with XXXX XXXX, however, the company is not complying. Therefore, in accordance with the Fair Credit Reporting Act under FCRA 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 UCS 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, under 15 USC Section 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore, I would like all of these late payments removed and my credit profile updated to reflect no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking for a investigation on my credit file that were fraudulently obtain in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Loan Account Holder : XXXX Nevada XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an at fault accident and there has not been an at fault accident. I contacted the companies and they have the correct information. Not XXXX XXXX.
Product: Credit card

Cash app charges was not me I reported it and all that was done was I wasnt able to get a new card I need my money back and I want to be able to use my account with a new card
Product: Debt collection

i filed bankruptcy in XX/XX/XXXX and it ended in XX/XX/XXXX got letter from a debt collector saying i still owed XXXX on the second mortgage, i was told all that i still owed was XXXX but they are saying that this was interest on what was owed on my loan bankruptcy showed what was paid
Product: Debt collection

On XX/XX/23 I received a notification from, what I thought was Paypal, regarding a transaction on my account for a purchase that wasn't mine. 
I contacted the fictious company, and they hacked my phone and was able to get into my Venmo account and PayPal account. 
I reported this to my bank and they were able to stop the transactions for both. 
Venmo dismissed the balance but PayPal wants me to pay the balance. 
Please help. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Product: Vehicle loan or lease

On or about XXXX XX/XX/XXXX I contacted my bank XXXX to refinance an auto loan with Captial One Auto finance payment processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX payoff balance for 10 days given to me of {$37000.00}. Today is XXXX XX/XX/XXXX. 

Capital one. I asked XXXX to add {$100.00} to the loan to take care of any other extra charges capital one could have hidden. Capital One account number XXXX XXXX XXXX XXXX XXXX for {$37000.00} was received at Capital One on XXXX XXXX at XXXX. Capital One then changed the check depositing {$34000.00} in the XXXX and {$3000.00} which equals {$37000.00}. Why did Capital One do this only to incur more money from me? Capital One policy is they will not except checks or credit cards to pay off auto loans. I only can use their 3rd payer option which charges me more money. {$38.00} was charged to me by XXXX XXXX On XXXX XXXX XXXX XXXX on Friday XXXX XX/XX/XXXX. 

This is highway robbery by this company Captial One They refused to allow a debt card to pay the {$38.00} saying the card was no good. They allowed a visa card to pay this amount off. The foreign call center individual stated that it could take up to 90 days or longer to clear my title from them. Captilal one refuses to allow pay off of an auto loan but does allow debt cards can pay off auto loan over {$3000.00}. 

This is a corrupt criminal money laundering operation that needs to be investigated and shut down.
Product: Checking or savings account

I ordered an item off XXXX and returned that item. XXXX received the return and is telling me that the refund has been processed to my account but I still have not received it. I have tried to file a dispute with my bank but it keeps getting denied even though I have provided evidence from XXXX stating I returned the product and them stating that the refund was processed. The amount is {$250.00}. XXXX states they processed this refund on XX/XX/XXXX. Ive reached out to them but they say I must handle it with my bank to get reimbursement and when I do the bank denies the dispute so its just been back and forth. My bank is Chime.
Product: Credit reporting or other personal consumer reports

I previously filed complaints against the Credit Bureaus Experian, Equifax, and Transunion for False Reporting, and they Never removed the Negative Remarks ( 30 days, and 60 days past due ) from my Credit Report! 

One of the previous complaint # s is XXXX
Product: Credit card or prepaid card

Back in XXXX of 2020 I, XXXX XXXX called in and closed my self lender account and credit card. Self lender took my XXXX deposit to cover my balance they said I owed. A week later self attempted to take XXXX from my account which I stopped with my bank. Since closing of the account Self Lender has continuously reported my credit card as over the limit which have damaged my scores and prevented me from refinancing my home during this pandemic. I have called SelfLender numerous of times to get this problem handed and have gotten the run around each time. The latest time being XX/XX/2020. They have not only damaged my scores but also my husband scores as well. This is very much illegal and something needs to be done! We have not signed up for new accounts and do not owe self lender any money in fact they owe us money that we never received and have not made a issue about but the damaging of our scores is unacceptable!
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2022 I contacted Sun Loan Company XXXX Mo and asked if they would be willing to do a " cancellation of debt '' 1099c which is a tax write off for them! They called corporate Sun Loans and then called me back and said No they won't be doing that for this old debt. Then days later I get a alert from my credit report that Sun Loans has added a remark to my credit report and it hurt my score. I feel this remark was done in retaliation and friviously with intent to harm my score even further. I feel Sun Loans would have never added any remarks had I never called them offering to settle my old debt! They are intentionally attempting to hurt my credit now and even told a third party about my debt when they called back they told my oldest son about it as he unfortunately answered and the rep assumed she was speaking to me! Shame on Sun Loans for this and violation of my rights with the FCRA!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment - XXXX XXXX XXXX XXXX Account # XXXX ) Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA.

Truth in Lending Act ( TILA ) : The reporting practices may violate the TILA, which mandates accurate reporting of credit information. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have multiple inquiries from XXXX XXXX fraudulent using my information
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute package to TransUnion regarding fraudulent accounts on my credit report. This package included : -A police report documenting the fraud. 
-Proof of identity ( government-issued ID, Social Security card , utility bill ). 

Under 15 U.S.C. 1681c-2, TransUnion is required to block fraudulent information within 4 business days of receiving proper documentation. Despite this, TransUnion has not blocked any of the fraudulent accounts. The online system currently indicates that the dispute will not be completed until XX/XX/year>, which is well beyond the legal timeframe. 

On XX/XX/year>, I spoke with a TransUnion agent who provided me with File # XXXX and informed me that my file had been updated to reflect the fraud. The agent indicated that I should expect updates by Friday, giving TransUnion a second opportunity to comply. While I appreciate this, the statutory 4-day rule under the FCRA still applies, and TransUnion is past the deadline.

Additionally, during this conversation, the agent falsely claimed that all disputes, including those related to fraud, follow a 30-day process for creditor verification. This is incorrect, as identity theft disputes have a 4-day blocking requirement by law. Their refusal to act within this timeframe and misrepresenting the process has caused delays, resulting in financial and reputational harm. 

I also notified TransUnion that I had an FTC Identity Theft Report ready if needed, but it has not yet been provided. 

I submitted everything required for the fraud investigation, including : -An SEC report.

-A request for GAAP-compliant verification of the disputed accounts.

-The police report documenting the fraud.

-Proof of identity ( government-issued ID, Social Security card , utility bill ).

Despite having these materials, TransUnion has failed to block the fraudulent accounts within the 4-day statutory timeframe, resulting in undue hardship and harm to my financial standing. 

Attached are the screenshots of the TransUnion Chat.
Product: Debt collection

I received a summons mid XXXX to go to court on XXXX/17 by  portfolio recovery for that from XXXX for {$640.00}. 

I have sent a letter to portfolio recovery and asked for validation of the debt and received no reply. I have never signed any contract I do n't owe Portfolio Recovery any money. 

I am being harassed and what they 're doing is against the law.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle in XXXX during the time of purchase. I was told by the sales person about the debt cancellation agreement. The salesperson informed if I had lost of income that the agreement would cancel the debt. I purchased this agreement for {$600.00} a year into the loan I voluntarily surrendered the car. I thought I was secured because of the cancellation agreement that was purchased. Years went by and I never heard anything about any collection efforts I thought that the agreement had went into effect. Fast forward to XX/XX/XXXX i served court papers because the loan company filed a lawsuit. I represented myself. I won the court case they filed an appeal 14 days later and I retained legal aid. Legal aid advise me to settle even though I had purchased cancellation agreement. US Auto and XXXX XXXX XXXX XXXX should be held accountable for this. XXXX XXXX sold me an add on and US auto credit claim they had no knowledge. I am requesting this account to remove from my credit and to cancel the debt as promised when I purchased the debt cancellation add on. This company had never made any attempt to resolve this but wait until almost the 7 year mark to take me to court and sue. When I called the copy back XXXX they informed me that they could not talk me or because they my account to an attorney
Product: Credit reporting or other personal consumer reports

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above these accounts need to be removed THESE ACCOUNTS DON'T BELONG ON MY CREDIT REPORT Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX  XXXX Account number XXXX
Product: Credit card or prepaid card

I received this card without requesting it and with no explanation attached or printed on the card, that this was an offer. I thought it was a replacement card for an existing pre-paid card I had but when I went to the site, it was asking for my social and date of birth. I found that suspicious, along with the card having a XXXX balance. When I called the company, NetSpend, to ask where this card came from, I was again prompted to enter my date of birth and full social. I declined and was transferred to an agent who then said that this was an offer and if I activated it ( after providing all my info ) I could use the card for paycheck deposits and such. I never requested this card, nor did my employer distribute these cards for paycheck deposits. It is very suspicious to request that information to activate the card without providing a description of what the " offer '' is. NetSpend should be required to fully explain what this card is and why the recipient is in receipt of the card. Appears to be a phishing scheme that NetSpend has gotten away with for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago Moneylion agreed to update an account as paid and update any negative information on the account due to a mistake. They did give me some of their reward point for the problem. This is where things get interesting. An already paid off loan again shows and unpaid balance which dropped my credit score 50+ point. My car broke down and I needed to fiance a new car. That 50+ decrease in my score put me in a high risk and I am paying 16 percent! For a problem they said they were going to resolve this is completely and totally insane! i'M PAYING {$450.00} A month FOR 75 MONTHS ON A XXXX CAR! I could be driving a XXXX instead of a XXXX for this amount! 
This Moneylion loan was supposed to fix my credit instead if give me a XXXX XXXX and separate me from my hard earned money!. I am not sure that reward point that are going to give me a {$25.00} dollar gift card to XXXX is going to help me!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Hard Inquiry List : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company doctored original billing statement after notifying them of inaccuracies. They refused to remove acct from my credit profile for years causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXXate XXXX inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was scammed on a jewelry investment I wiredXXXX XXXX bank my bank seemed not to get my money or report XXXX bank for laundering money
Product: Credit reporting or other personal consumer reports

I have written to XXXX XXXX numerous times to notify them that I am not aware of this debt and asked them to remove it. Their response was to turn it over to a collection agency. I do not owe this debt. Please provide a contract with a wet signature. 

XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$800.00} You're using XXXX  % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment -- Payment status -- Amount past due {$1100.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Charge account Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I called XX/XX/XXXX and ask for the info regarding the amount own and how much and where the car was sold. I still have not gotten any information. Upon doing so research the car was never sold at an auction. But they same company sold the car again for around the same price but reported selling for a different price. they charge banks without saying anything. They also scammed me by charging me {$3000.00} for gab insurance that they never said anything about
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681