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

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX And Equifax Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY GEN XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information on my credit report associated with account number. I have recently discovered discrepancies in this account, and after thorough investigation, I strongly suspect that I am a victim of identity theft. 

Account Information : Account Number : Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6900.00} No. of Months ( terms ) : 1 High Credit : {$6900.00} Credit Limit : {$0.00} Past Due : {$6900.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) | XX/XX/XXXX ( TransUnion )
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Money transfer, virtual currency, or money service

HELLO XXXX XXXX XXXX XXXX, I WANT TO REPORT THAT PAYPAL COMPANY TOOK MY MONEY WITHOUT ANY REASON AND THEY KEEP TELLING THAT I VIOLATE THERE POLICY EVEN THOUGH I DIDNT EVEN VIOLATE IT THEY TOOK MY MONEY LAST XX/XX/year> WORTH AMOUNT PAYPAL STEALS ON MY ACCOUNT IS XXXX THEY CONVERT IT TO USD IM FROM XXXX IM WONDERING WHY THEY TOOK IT THEY ARE FROM XXXX PLEASE I NEED ACTION ON THIS BECAUSE THIS MONEY IS FOR MY MOTHERS MEDICATION THEY SAID THEY WILL ON HOLD IT 180 DAYS AND AFTER 180 DAYS I CAN GET MY FUNDS BUT BEFORE 180 DAYS LAST XXXX THEY TOOK IT WITHOUT EMAILING OR MESSAGING ME PLEASE HELP IM BEGGING THANK YOU Transaction ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount Paypal took to my account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX  XXXX XXXX {$6300.00}, XXXX XXXXXXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital oneXXXX failure to deposit my direct deposit from my employer XXXX any other incoming deposits. Capital one has cited technical issues, which XXXX violate the electronic funds transfer act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, XXXX I request your assistance in investigating this matter to ensure that my rights are upheld.
Product: Debt collection

I never bought anything from this company it was a frauglant charge.. I never paid it. Because I was never aware of it
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I demand the late payment reported in MONTHS REPORTING LATE to be removed 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.

This company 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 or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that credit karma XXXX Experian and XXXX is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 


Inquiries : Dates : Experian 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Closed 5 while working on 3 only problem is there all the same problem which experian stole NOW 20 months of on time never late payments to XXXX and refuse to give them back SCAM SCAM SCAM SCAM SCAM
Product: Checking or savings account

I paid a bill using SunTrust 's online bill payment. I received an email the next day saying I was now enrolled in their " ebill '' program and would no longer receive paper bills but have my bills emailed to me. I DO NOT WANT this and did not authorize them to do this. I called ( and was on hold for over 15 minutes ) and spoke with a rep. They said they could not cancel this. I told him I never enrolled or wanted this service, they gave it to me. He refused to cancel this and I asked to speak to a manager His manager, XXXX XXXX, got on the line. I explained to her SunTrust enrolled me in this service, I did not want it, and I wanted it cancelled. She refused to do so. I informed her I would be filing a complaint with the CFPB, With what happened with the XXXX XXXX unauthorized accounts I am shocked that another Bank would be engaged in practices like this today. I can not believe a Bank would enroll me for a service without asking for my permission or authorization and then refuse to cancel it. I want the EBill program cancelled on my account asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and Experian are attempting to damage my financial health with false reporting XXXX XXXX  has been trying to recover funds from my likeness since XXXX  and they keep selling the same debt to other divisions of their own company or outside companies after it has been deleted off my credit report. I have told them several times I have never done business with them and dont intent to their record are inaccurate or fraudulent which can be proven in a court of law to which they avoid. They just harass me and lie because I can prove and will prove they have been at this since XXXX! That alone show deliberate attempt at injuring me financially as on an attack.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to demand immediate correction of my Credit File in accordance with the FCRA. I have made repeated attempts to dispute several items on my report, yet they have been continually disregarded. It is imperative that you promptly investigate this matter as mandated by the FCRA. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. I need my Credit File clean from the following erroneous items : XXXX XXXX XXXX XXXX XXXX Balance {$50000.00} XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} XXXX XXXX XXXX Balance {$68000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Consumer Loan

XX/XX/XXXX I signed up with Capital One Auto for a vehicle loan on my XXXX Chevy Tahoe. Everything thing was setup and good to go. I made my first payment via the phone and also a few other ways in the beginning. I then was referenced to the CapOne360 APP so I downloaded it and my payments via that ... .so I thought. It seemed the the APP was not taking my payments due to some sort of malfuction which then cause a spree of 30 day late payments. Me not knowing any better I began to pay through XXXX XXXX and via XXXX XXXX app. Come to find out I had been behind on a total of 9 or so months. I informed them about the APP and it seemed to be a issue that others had as well. They reset it then I did n't use it anymore. Then through a sequence of events the car ended up being repossessed on the day that the payment was due, in which I called that day to make the payment and they seemed to had already taken the car. The rep I spoke with said that I could pay at anytime on that day. I had no idea that it was that late I had just been paying the monthly amount. So after the car was repossessed in efforts to get everything squared away via my account and credit report I then spoke with a rep that said, If I paid the full amount due instead of the program and stayed current going forward that the repossession would be removed and the 30 day lates would also be removed due to the APP. Since then I have spoke with XXXX reps from the office of the president who looked up the information, and listen to the phone calls, but since I did n't have a name and ID they could n't honor it when i 'm XXXX sure I was told such. Since XX/XX/XXXX I have remained current and have had no further issues, except the inability to get those remarks removed. I spoke with XXXX and XXXX other individual
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX XXXX DEPARTMENT OF EDUCATION Account number XXXX I have disputed these accounts over and over sent letter out to creditor and credit bureau to verify this account and I have not received anything showing these accounts belong to him I have reported this account to the FTC
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Personal Information ( Experian ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling XXXX XXXX to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! XXXX needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax apparently has my date of birth wrong. I tried to correct it over the phone after establishing my identity by answering multiple security questions. They refused and told me I had to write a request and send photos of identification. I then tried to use their online form complete with uploading the necessary images. They wouldnt accept the submittal. I then tried to simply order a copy of my credit report online as directed by Annual Credit Report .com and was told I could not - that I had to submit it in writing with certain documentation. This is crazy! No other creditor or credit reporting agency has this error. It is clearly a data entry error of Equifax and they wont even let me see my report without jumping through a bunch of hoops. If they would spend 5 minutes looking at the personal information submitted by my creditors or the other credit reporting agencies they could verify this is error is theirs and correct it. Apparently Ive made somebody at Equifax mad and now they intend to make me pay for it.
Product: Debt collection

After I questioned the company 's process on settlement of my debt, the representative snapped back at me, cutting me off, and telling me that I was rude and disrespectful, then hung up. ( After I called the collector and made a generous offer to settle my debt which was immediately not entertained. ) I immediately felt harassed and lied to about my own behavior.
Product: Credit reporting

I recently pulled my credit report from Experian, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
Product: Credit reporting or other personal consumer reports

these inquiries and collection is reporting falesy I have no knowledge of them. 
Inquiries : 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 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 XXXXXX/XX/XXXX collection from XXXX XXXX XXXX XXXX XXXX {$350.00} opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated.

Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

Lender calls me harassing on an everyday bases and send me unprofessional threatening emails.
Product: Debt collection

XX/XX/XXXX {$1500.00} XXXXXXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX  XX/XX/XXXX {$700.00} XXXX XXXX I already explained that It was fraud and I dont recognize the these collections and all they kept saying its in your name so this have to belong to you
Product: Checking or savings account

I open my account with Chime in XX/XX/1922. I have been banking happily with them the entire time I had not received any warnings or any feedback that my account could be closed all of the sudden and without warning chime shut down my account. I can not access my financial history and records in terms of payment. My account was closed on XX/XX/XXXX of this year. What did I do? Why cant I access my information anymore? Please help!