23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Creditor contacted XX/XX/2022. Amount listed owed on credit report is the wrong amount ; entered into an agreement on a lower amount with two payments made in XX/XX/2022 ( {$49.00} and {$50.00} ). Current balance is {$590.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 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 instructions15 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

EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT FCRA TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINACIAL PROTECTION PROTECTION BUREAU CFPB HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHERS ACCEPTING UNRELIABLE RESPONSES AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIANCE, 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 ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIANS INACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.
Product: Vehicle loan or lease

I went in to get an oil change and they told me my XXXX  XXXX XXXX XXXX had a broken rear axle and they couldnt let me live with it because Id be liable so they offered to let me buy a new car its owe me a new car the contract fell through then they made made me sign a contract and I refuse to for two months The anti-stop doesnt work Ive been in two accidents because of it they refused to fix it they refuse to talk to me it will only talk to my ex husband thats not on the loan
Product: Credit reporting or other personal consumer reports

My TransUnion credit report shows multiple inquiries of my credit report being made monthly by XXXX ( XXXX inquiries to date in the last year ). I have no idea who this company is or why they are repeatedly accessing my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for what I thought was a credit card with American Express. Nowhere in the advertisement did they make it clear that it was going to be a charge account that does not have a limit. I was intending to sign up for a card that had a limit so the increased limit would positively impact my credit score. Upon realizing I signed up for the wrong type of card I talked to customer service to cancel the account and remove the inquiry. They said no so I worked through the XXXX. I just got off of the phone with their executive office, and they refused to fix the situation as well. They are even refusing to cancel the card keeping it open after I have repeatedly asked to cancel it.
Product: Credit reporting

My credit was compromised and there were some things on my credit report that did not belong to me, I disputed them with the credit bureaus and some things were removed ; however, most things were not. There was a fraud alert placed on my credit report but I have not been able to access my credit report or scores since to see the final results, I need assistance with obtaining my report and scores.
Product: Debt collection

In XXXX on XX/XX/XXXX a capital one credit card was opened in my name and my social security number was used. I was contacted in XXXX by a collection agency requesting for me to pay the balance owed for this credit card ; I explained this debt was not mine & I don't have any credit cards. I requested to speak with the fraud department and I was informed I couldn't directly speak to someone but I could create a fraud case and they would conclude if it was fraud or not I requested for capitol one to send the credit card statement so I could see what address the credit card was sent to it was a Alabama address I've never lived in Alabama when I received the statement the charges were all in the Alabama vicinity ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX there were other charges equaling to {$1300.00} There were some ACH transfers as well I'm grateful those were declined by the banking institution they were attempting to send those to otherwise this credit card balance could've easily been over {$3000.00}. I contacted capitol one to inquire when this fraudulent account would be removed and they informed they did there investigation and concluded the debt was valid another investigation due to this being not my credit card and debt another case was filed and and I was informed again they've concluded the debt was valid I am now contacting the cfpb for help I believe I have attempted to the best of my ability to get this properly deleted from my credit and I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just tried to log in to no avail. I have been trying to login for years! No matter what I try I'm not recognized, even if I change the password, the ID login or any of my information. Just recently, I called Experian on XX/XX/22 @ XXXX and spoke with XXXX XXXX She told me to use a login XXXX! I haven't used this login in over 5 years. She sent me voice mails to my Cellular Phone # : XXXX! And even responded to a code texted to me and entered it. I was on the phone with XXXX for at least 30 minutes. She was not able to help login or create a new password. Nothing I did worked. Experion is extremely complicated and does not provide good customer service. 
Over 2 years ago, my score was XXXX, but unrelated to my complaint, just for explanations, I was subjected to XXXX XXXX and then my score tumbled down to even the XXXX. Only liberal entities like Experian hurt people instead of help customers. 
I've been working extremely hard to rebuild my credit I did not cause to plummeted! Today I was delighted the check my score : My XXXX  Score today is : XXXX! No ones approves me for any financial products unless my score is XXXX minimum! But then XXXX Score today is XXXX. But since I can not get I was able to see my average score at XXXX XXXX and it came up as XXXX! Which means that Experian 's has a great deal of incorrect data about me, but no matter how long I try I am unable to login nor get help from Experian, including today! When I call them, the recording says no one available. Would I be able to sue Experian for causing my score to be very incorrect and leading to a great deal of financial qualifications due to credit score that needs to be corrected with Experian? I've suffered over two years with my destroyed score and after working so hard to fix my score, I can't get Experian 's! Then Experian recommends a credit card to help me credit score. I was approved for a measly {$300.00} limit and a service charge of {$95.00}! Wow! I even called for help but the representative was not able to help me to login!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX Account # xxxxxx 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 This creditor has been in direct violation of my rights by reporting inaccurate information on my credit report.
Product: Checking or savings account

I've been banking with Chase for over a XXXX. Recently my account was hacked and {$1400.00} was stolen from me. I spoke to a representative who assured me that the funds would be reimbursed and they did reimburse me but only partially. I went to a branch and got reinbursed for the rest of the funds. After about a XXXX Chase pulled the funds that it reimbursed me stating that i was the one who withdrew the funds. I told them to check thir ATM footage and they will see that it was not me but they stated that there was nothing they could do. I went back to the branch and gave them proof that it was withdrawn using XXXX XXXX  and i have an XXXX phone. They reinbursed me again but only a week later they pulled part of the funds again. I went back in and Spoke to the manager XXXX who spoke to the corporate and got reinbursed again. Today i check my account and they pulled XXXX XXXX back again so i am at the bank waiting to speak to someone to see what is going on here. Everytime they pull funds it's for a different amount. I am ready to close my acount because i do not trust chase anymore.
Product: Credit card

I have a current credit rating of XXXX. Chase is charging 27.74 % interest on the unpaid balance on my credit card and they claim that they are unable to lower my rate. They admit that I have had the account since XXXX and that I have n't had a late payment since XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America Had Given Me Inquiries Reported To XXXX That Were Not Authorized By Me. On The Following Dates -- -- > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE THIS COMPLAINT. It is not a duplicate and was not requested by anyone other than me, XXXX XXXX. I received a letter from the CFPB stating complaint XXXX, XXXX and XXXX were closed because someone other than me requested it. That is incorrect so Im resubmitting this complaint. 
The credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was opened in my name by someone else. I have talked with the Bank that the card was opened with and they have said that they have deleted the account. Experian will not remove the account from my credit report. I have disputed it multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am submitting a complaint on the inquiries I have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.
Product: Debt collection

In XX/XX/2018, I sent a letter EOS CCA and asked they send me verification ( contract/lease/signed statement ) of this debt and they sent me a bill. In XX/XX/2018 I sent a second later and have not received anything back from them.
Product: Debt collection

I have never received any notification on this debt other than it reappearing on my credit reports in XXXX of XXXX from a new collection company. 
Jefferson Capital is saying I owe a debt ( {$510.00} ) from a company I haven't done business with since XXXX, XXXX, but says the date of first delinquency is XXXX ( FINALLY found this after they updated information from my most recent dispute through XXXX XX/XX/XXXX ) which makes no sense since I hadn't had an account through sprint for XXXX years at that point. 

I had it removed from my reports at one point after a different collection company couldn't prove the debt ( also never received info from that company on this debt ) who I am assuming sold it to Jefferson Capital. I'm not interested in arguing with them through the bureaus any longer. I have denied the debt multiple times through each credit bureau as well informed them through the most recent denials that I was going to report them for continuing to report/re-aging the debt. At this point I would just like it removed from my XXXX report and to not show up on any of my reports again because one shady company sold the debt to another shady company. 

All I know is the debt being reported is {$510.00} from XXXX from XXXX because that is the information reported on my credit report.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EBXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 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

This is my one of my numerous 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. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

FORD MOTOR CREDIT re-aging charge off. Date of original delinquency was XX/XX/XXXX. Subsequent delinquency dates were updated to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit card

As mentioned, this company makes it really really hard to get your account number to make a payment and also just make a payment. I called for them first payment for over a year now multiple times to get my account number so I could log in. they always had an attitude that they sent it in the mail, but I don't have it. finally, I was told were to get my account number 2 months ago. But without the account number they make it next to impossible to pay. they harass you with restricted calls and non-restricted calls all day, but no one is often on the line when you pick up to even take a payment that just call continuously to harass you. I have 12 calls from them today. Never spoke to a person. They need to make their system more payment friendly and hire really phone reps to call and speak to you and take a payment. They people that take the payment say they can not give you your account number because they do not have access.
Product: Credit card

I received my first billing statement for my newly opened American Express credit card account in XXXX, connected a bank account, and set up a payment schedule to pay my statement balance on the due date each month. When I connected my bank account for the first time, I accidentally mistyped a digit in the account number. American Express performed no validation that the account number is correct, exists, or that I own this bank account. 

On XX/XX/XXXX, XXXX  days after my due date and scheduled payment, I received a notification that my payment was returned. On XX/XX/XXXX, I connected my bank account with the corrected information and made a payment for the entire outstanding balance on my account. 

On my billing statement ending XX/XX/XXXX, I was charged {$27.00} in interest charges. I requested this interest charge be removed from my account. I fully intended to pay my statement balance in full on my due date when I set up my payment schedule. I made a payment in full the day I received a notification that the payment was returned. This situation would not have occurred if American Express, the payment Originator, performed any validation on the account number prior to its first use, per XXXX rules. 

I called American Express on XX/XX/XXXX to dispute this interest charge and received no resolution or response to my complaint and billing dispute. I called American Express on XX/XX/XXXX and still have no resolution or response to my complaint and billing dispute. I sent a letter to American Express to file my complaint in writing on XX/XX/XXXX have received no response. 

On my billing statement ending XX/XX/XXXX, I was charged another {$64.00} in interest charges. I requested this interest charge removed from my account. I paid my billing statement in full on XX/XX/XXXX, the payment due date. I contacted American Express on XX/XX/XXXX in writing via chat to dispute this additional interest charge. I have received on resolution or response to my complaint and billing dispute. 

American Express has charged me nearly {$100.00} in interest charges for making a payment XXXX days late because I mistyped my bank account number and has not responded to my complaints or waived the interest charges.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX, XXXX date XX/XX/year> XX/XX/year> XXXX XXXX  Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect XXXX  % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending evidence of incorrect reporting on my credit file and I want it deleted per the FCRA. Information on my credit report is suppose to be reporting 100 % accurate and I have sent attached documents that creditors are reporting incorrect information. I have sent multiple disputes and nothing continues to be fixed or deleted. I will be attaching documents of proof that Experian is reporting incorrect information and they will not investigate my claims or send me proof as to who they spoke to when investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX After recieving my sworn testimony ( Affidavit ) XXXX XXXX XXXX notified me in writing ( attachment ) that they have opened an investigation and are awaiting documents from the Original creditor. This could take up to 90 days. During the process of this investigation, this account should not be reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and my information was used for a student loan l'am still dealing with. And it has messed up my credit score