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

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of account with your company, Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, such as delayed access to services I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. 

I kindly request a response to this letter within the specified timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. 

I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX  XXXX Balance : {$120.00}.
Product: Checking or savings account

I opened an account with them 4 years ago and they immediately closed my accounts without providing any reasons at that time. I chose to submit to humiliation at that time. However, I was trying to give them a second chance last week but they did the same thing again - closed my checking and saving accounts on the second day that I opened them. Again, no reasons! I have banked with serval banks and never seen such a ridiculous bank like XXXX. Will never do any business with them anymore for my whole life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for XXXX XXXX Visa credit card on XX/XX/2019 and I was approved. I used the credit card for purchase 3-4 times and every time they used to look up my account in store using my id as I didn't receive the physical card. 

On XX/XX/2019 I went again to a XXXX XXXX Store at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for purchasing one item and I asked the associate ( XXXX ) to look up my account. I clearly informed him I already have the XXXX XXXX credit card and he just need to look up so that I can pay with the XXXX XXXX card. 

He told me we need to look up in some other system so please enter your details. I raised red flag saying I am not applying for credit so why you need details like salary etc. He said we need this to look up you exist in system. 

I told him that there should not be any hit to credit score but he was still adamant for me to enter the details like income on key pad After this step the associate XXXX said that you already have an account and now your can pay. Thankfully I got a XXXX  XXXX  alert which notified that the store did a hard hit on my credit report. 
This is fraudulent activity. 
I asked for Store manager and his flat response was I apologize but we can't do anything Store General manager name : XXXX This is fraudulent activity by XXXX XXXX and I will like to report this to Consumer Financial Bureau so that other consumers are not cheated like me
Product: Mortgage

I am not earning money and asked if i could delay payments until this whole thing is over and they declined and said if i dont pay for three months, at the end of that three months i will still owe those three months even though im not earning money. That cant be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is an unauthorized inquiry from XXXX XXXX lending on my credit report that showed up XX/XX/2017. I have disputed this repeatedly with Equifax and they continue to tell me it will be removed, but it has not been. I did not do business with this company and never applied for anything with them and never gave my permission to have them pull my credit.
Product: Payday loan

I set up payment to come directly from my payroll and they still pulled the payment from my checking account also ... this has cause an overdraft of almost {$200.00} ... I called and they stated that they are processing a refund but it will take XXXX business days. meanwhile I have bills hitting that will not be paid put my account into further overdraft. The due date was XXXX XXXX, 2016. They received the payroll payment on XXXX XXXX and then drafted my checking account on XXXX XXXX, 2016. The first rep said it was my fault be HR should have put my name on the direct deposit payment ( Her name is XXXX ) ... The second rep stated that the only way the payment should have been drafted from my checking account is if my payroll deposit did n't come or was late and that since it was n't due until the XXXX, there should never have been a withdrawal from my account.
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint regarding an ongoing issue with a fraudulent transaction on my Macy 's account {$49.00} if I'mnot mistaken, which has been unresolved since 2017. Despite my efforts to dispute this issue, Macy 's has failed to correct it on my credit report, and the matter persists, and kow the amount is {$340.00}. 

To clarify, the issue is not that my account was flagged as fraud ; rather, there was a fraudulent transaction made on my Macy 's account that I did not authorize. I have made multiple attempts to resolve this, including contacting Macy 's customer service, filing disputes, and providing evidence that the transaction was fraudulent. However, Macys has refused to remove the negative entry from my credit report, despite the fact that the status of limitations for such transactions has passed. 

I believe Macys is in violation of the Fair Credit Reporting Act ( FCRA ), as they have failed to appropriately address this fraudulent transaction and remove it from my credit history. It is now affecting my credit score and ability to secure credit, and Macys has provided no reasonable justification for why this remains unresolved.

I request that the CFPB investigate this matter and take appropriate action to ensure that Macy 's rectifies this situation. Specifically, I ask that Macy 's be instructed to remove the fraudulent transaction from my credit reports and update their records to reflect that the account. I'm having difficulty getting my life together because of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with their Verification method to verify said accounts.

In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ( XXXX ) XXXX This Letter is in Reference to Late Payment with Account Number [ XXXX ] I was affected by extreme financial hardship and medical problems ; I became seriously behind on several bills. While I normally make great efforts to honor my debts and fulfill my responsibilities, at the time of the late payment I was simply financially not able to pay my bills. 

Under the 15 U.S.C 1681 Law there should not be any damages on my report, and it is a defamation of character. 
I have since gotten on track and brought my account up to date with your company. 

I am now trying to get a loan for my Business, however i am having difficulties receiving an affordable rate. The impact of having late payment on my credit file. I am hoping that your organization can consider removing this late payment from my credit report as a gesture of goodwill. this kind gesture would since be appreciated.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with yout company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Vehicle loan or lease

I have tried many times to cancel the guarantees that they sell to you and I managed to cancel but they did not give me back everything they had told me they would give me back.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

1. XXXX XXXX XXXX : All late payments reported on this account are inaccurate and should be removed immediately. This account was paid on time, never late during the entire payment history. 
2. XXXX XXXXXXXX XXXX : All late payments reported on this account are inaccurate and should be removed immediately. This account was paid on time, never late during the entire payment history. 
3. XXXXXXXX XXXX  : All late payments reported on this account are inaccurate and should be removed immediately. This account was paid on time, never late during the entire payment history. 
4. XXXX XXXX : This inquiry is inaccurate and was not authorized under any circumstance. I am requesting immediate removal from my credit report. 
5. XXXX XXXX XXXX : This inquiry is fraudulent and was not initiated nor authorized by me. Under the protections outlined by the CFPB, I am requesting the removal of this unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX Experian Information Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items.I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts.If information is not provided or the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Consumer Loan

Toyota Financial Services makes it extremely difficult to prepay principal forcing me to pay the full finance charge even when I make payments in excess of the amount due. I feel this is unfair and deceptive as I am paying interest on funds that they have the money to payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX loan is erroneously appearing on my XXXX, XXXX, and Experian credit reports. According to the reports, this account was opened on XX/XX/XXXX and the current status is Late. Despite requests sent in writing via US Postal Service in XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has failed to supply a contract to which they are a party nor any other evidence to support the claim that this account is valid. They are in violation of the FCRA, TILA, and the Gramm-Leech-Biley Act Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is only allowed to furnish information about a consumer 's credit history with the consumer 's consent. Specifically, Section 604 of the FCRA states that a consumer reporting agency may only furnish a consumer 's credit report to those who have a " legitimate business need for the information '' and who certify that the information will be used for " permissible purposes. '' Section 604 also requires that the consumer be notified in writing of the request for the credit report and that the consumer has the right to know the nature and scope of the request. 

Furthermore, Section 607 of the FCRA requires that a consumer reporting agency maintain reasonable procedures to ensure that the information they report is accurate. If a consumer disputes the accuracy of any information on their credit report, the consumer reporting agency must investigate the dispute and correct any inaccuracies. 

Under Section 605B of the FCRA, a victim of identity theft can request that the credit reporting agencies block any information that is the result of fraudulent activity. Specifically, Section 605B ( a ) ( 1 ) states : " A consumer may notify a consumer reporting agency that the consumer disputes the accuracy of information in a consumer report on the consumer on the grounds that the information relates to a fraudulent transaction or to an account or to other products or services that were obtained as a result of identity theft. '' This includes items that were created by an imposter, or those that were created by the thief using my personal information. 

Furthermore, under Section 621 ( a ) ( 2 ) ( A ) of the FCRA, I have the right to submit a sworn affidavit to the credit reporting agencies stating that the information on my credit report is the result of identity theft. The affidavit should include a statement that I did not create the accounts or authorize the charges and that I am not responsible for them. I have attached a copy of the FTC 's Identity Theft Affidavit to this letter. 

In light of these laws, I respectfully request that any and all items on my credit report that are the result of identity theft be removed immediately. I did not consent to the reporting of fraudulent charges or accounts and therefore, they should be removed in accordance with Section 604 of the FCRA.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report on XXXX, Experian and XXXX that I have XXXX closed Charge off accounts from XXXX  XXXX with reporting balance {$2300.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX balance of {$1100.00}. I never received a XXXX c form from the debt being paid off, and according to Law FRCA 605B it is illegal to report information on my credit report without my permission.
Product: Credit reporting or other personal consumer reports

I sent a letter to National Credit Adjusters on XX/XX/year> requesting validation of a debt. The amount that NCA is claiming to be owed is {$970.00}. They have failed to acknowledge or respond to my request. It has been 32 days. NCA is continuously reporting negatively to all three credit bureaus. I believe that they are in violation of FCRA when it comes to reporting and validation.
Product: Debt collection

Credit Card in dispute is with [ Walmart Credit Card ], issuer by Capital One # XXXX, went inside Walmart to make my schedule payment { before the due date of XX/XX/ }, moreover, inquired through Cashier the payment amount, the payment due cashier stated was {$35.00}, made a cash payment inside store located in XXXX CA. I called on XX/XX/2023, to make my next payment due, prior to the due date of XX/XX/2023, and was told by the automated system over the phone, my schedule minimum payment due was astounding amount of {$74.00} ; furthermore, I was stifled at the amount given, I then immediately called Capital One for clarification, they informed me I didn't make the correct payment and as a result I'd be penalized additional amount because my payment was short by {$4.00}, I made a request for waiver of fees accessed and was told by Capital One they'd rectify this oversite ; called back to my surprise after agreeing to make my XX/XX/2023 payment in the amount of {$39.00} early that none of the fee had been adjusted, I tried talking this over with several representatives to no avail, I couldn't get any results, I was furious, I told the Manager he was not helping me resolve the matter, moreover could I speak to his Manager, and his reply was NO!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My personal & financial information was comprimsed without my authorization.

The Family Educational Rights & Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA & your responsiblity to safeguard my information. 

Given the severity of this breach & the resulting compromise of my personal & financial information, I request that you immediately cancel and discharge my student loan debt in full. 

Regards, XXXX XXXX XXXX XXXX.