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

I have asked and disputed with Experian on multiple occasions regarding me being a victims of XXXX XXXX I call and they give me the run around. I upload and they say, they never gotten my information and I know for a fact I have uploaded and my case worker has uploaded the proper information to them. Ive sent mail and its always the same thing. They either keep denying saying I didnt send in proper information when me and my case worker has done it together. I am just so overwhelmed and have no understanding why they wont take my dispute serious. I have filed a complaint before and they never gotten back with me. This is what I send in my last complaint back in XXXX. 

I am a victim of XXXX XXXX  I sent Experian documents starting on XX/XX/year> via upload and mail. I kept calling and they kept saying they didnt receive it. So I finally sent it in one more time on XX/XX/year> via upload and certified mail. I sent in every document they asked for on the site. I called for 4 days and they finally told me on XX/XX/year> that my paperwork was invalid. Ive sent the proper documents to them on multiple occasion. I even used their templates they provided. My letters are clear and concise. All paperwork is signed and dated and I sent in identification. They are giving me the run around and its not fair to me as a victim trying to start over in my life. 

I have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit report I have addresses that I no longer live over 20 years on debt and addresses and phone numbers..
Product: Credit card

I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( XXXX, XXXX and Equifax refused to accurately investigate while sending correspondences back stating everything was accurate ( Fraud ). No reinvestigation took place. It is now XX/XX/XXXX and this account is still reporting inaccurate information. 

XXXX XXXX # 's are XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Equifax XXXX # 's are XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 's XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, XXXX, Equifax and XXXX failed to mark notice of dispute on my credit report.
Product: Student loan

I was given out loans that I would never be able to repay based on my earning potential. All information when trying to rectify the loans was misleading and they would n't help with lowering the costs. I receive countless threats and phone calls about garnished wages daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Not supplied Proof Under the doctrine of Estoppel by silence, Engelhardt V. Gravens ( My 281 SW 715, 719, I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card or prepaid card

A charge appeared on my account XX/XX/XXXX, the same day i lost my card. I didnt realize it was gone til later that evening. I disputed it and was issued a credit while they investigated. The end of XXXX i see the charge back on my account again. So i talked with someone and told them i wanted to challenge it. XX/XX/XXXX i check my balance and noticed the charge was added back on to my account again. Im upset at this point because its time for balance/payment info to go into the CBAs. This is the second month in a row my balance was reported high because of this charge. I checked the dispute area and found out that discover sided with the merchant because they provided a Grocery Receipt ... yes a RECEIPT!! Which doesnt prove anything, therefore it is not valid enough to base the final verdict for the claim. Ive pointed out several key factors to help the dispute. 1. The charge was made at a location Ive never shopped at before. 2. The charge was made outside of my city and 3. The charge was the highest amount ever spent off my card. Then The agent kept telling me to call in when i kept telling them i was sick and couldnt speak but no they kept being inconsiderate. Not only did they not investigate my issue, they sided with the merchant without proof. I even talked to someone on XXXX  and was lied to, she never helped me at all! She said i could message her the dispute issue instead of calling. I Never had any issues with discover, always paid my bill ontime and yet i get treated like this. XXXX WOULD NEVER TREAT ME THIS WAY!! Discover needs to take a page from them. I use my discover card more than my XXXX even though i have a XXXX limit with XXXX. Im So im appalled.
Product: Credit reporting or other personal consumer reports

COMPLAINT FOR CFPB XXXX REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX  ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to EQUIFAX regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect items from my file. However, several items still need to be addressed. I am a victim of erroneous credit reporting and am disputing certain entries that do not pertain to any transactions I have made or authorized. Please remove the following items from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXXTransUnion : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$820.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance Owed : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/year>. These items are not recognized by me. Additionally, some of this information has been removed by other bureaus, raising concerns about its accuracy. The payment history reported on these accounts is also unfamiliar to me. As per FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to remove these entries.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX for Trans Union and XXXX regarding a hard pulls that was done on my account that very day. XXXX XXXX listed XXXX XXXXXXXX as requesting information/performing a hard pull and XXXX had listed : XXXX XXXX twice - once on XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX as having pulled my credit. 
I had called each of the 3 credit bureaus and placed a credit freeze on my account. I had spoken with XXXX on XX/XX/XXXX and was informed that I had fraud alert included with my subscription and a case would be created to look into each of the unauthorized request made on my account. On Monday XX/XX/XXXX I called TransUnion and had to converse with a bot over text messaging. I was informed that a written letter would need to be sent to the company. I then called XXXX on XX/XX/XXXX and was told that a dispute would be placed however I would need to file a report with the FTC in order to have the hard pulls removed from my credit report. I contacted and spoke with the fraud/application department at each of the institutions who pulled my credit, all had informed me that a stop would be placed on the application and a fraud alert placed on it. Also, the company will be reporting fraud to the credit bureaus to have them remove the inquiries from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed
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 voliated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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 XXXXXXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I had a loan with Santander Consumer USA for a car. That car was involved in a total loss and I paid down the principal so that my insurance settlement would cover the rest, with was done after confirmation with a rep from Santander that it would cover the total and I'd be free and clear. Fast forward a couple of years, I have a charge off for {$300.00} from them and my dispute didn't work. It is causing issues with me now getting a vehicle. I was never notified that I had a remaining balance with them, my last communication was that I would be clear with them. I previously had never had a late payment on an auto loan and I haven't since then either.
Product: Debt collection

I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I just found out that my wages are being garnished. I didn't get any notification and actually Paid for an attorney to assist me with the debt collector. I thought that someone would contact me either via mail or E-mail to inform me of some sort of date that I need to appear. At least ask about my budget to determine how much I can afford each month. Didn't happen. I don't know what to do and am going to end up homeless with 1/4 of my check taken.
Product: Debt collection

The following accounts are an result of fraud. I have no knowledge of these accounts. 
XX/XX/2020 XXXX XXXX Original creditor XXXX  XXXX XXXX   {$710.00} XX/XX/2020 XXXX XXXX XXXX  XXXX creditor XXXX   XXXX  XX/XX/2020 {$330.00} XXXX XX/XX/2020 XXXX XXXX XXXX   XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and today XX/XX/2020 I tried to submit a compaint to XXXX online and also tried to contact the other 2 credit reporting agency 's. XXXX will not allow me online to view my report. I am submitting this complaint about XXXX XXXX XXXX XXXX. They reported that this account is delinquent. It is not delinquent. I have had many problems and issues with this card in regards to fraud that was done on the card months ago. I have spent numerous hours and days on the phone with them trying to resolve this dispute. I was constantly transferred back and forth from customer service to the fraud dept to investigations dept back to customer service etc. This has been an ongoing issue. However this card is NOT delinquent! I am upset at the fact that they reported this to the credit reporting agency 's and now my score dropped a huge amount. There is still a discrenpency with {$510.00} with this card that is still not corrected. This card has interest free till XXXX of XXXX. I expect to have the balance ( correct balance ) paid off before then so I do not have interest put on the whole balance. I am submitting this complaint for 2 reasons. My balance is wrong and I want that delinquent remark that was sent to the credit reporting agency 's corrected and removed.
Product: Credit card or prepaid card

In early XXXX I reviewed my credit report and found that I had a XXXX day late payment from Capital One in XX/XX/XXXX. I had not received any communication about this late payment, which was odd because Capital One starts calling the second a payment is a XXXX days late, and they call non stop. I tried to dispute this previously and was told the information is accurate. I started to do my research online and many suggested I write Capital One an email asking for removal. I did this on XX/XX/XXXX. I received a call from someone stating they had received my request but were required to report accurate information to the credit bureaus on XX/XX/XXXX. She informed me there was nothing she could do, nobody I could escalate the issue to and that there was no additional steps I could take. I emailed the office of the XXXX again on XX/XX/XXXX after receiving the call but have been ignored by the company. 

I take issue with this because I was never notified of my past due payment. However, the bigger issue here is that Capital One is granting others favorable outcomes, and not treating everyone the same, which could be considered discrimination. The FCRA does require companies to report accurate information to the credit bureaus. It also requires that a company not discriminate. However, I have pages and pages of people have luck with Capital One removing late payments from their credit report as goodwill. This would be in direct violation of reporting accurate information to the credit bureaus and it could be considered discrimination. 

As of today, Capital One has not reached out, has ignored my most recent email and does not show any interest in making the situation right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN " EXTENDED FRAUD ALERT '' ALONG WITH A FALSE STATEMENT WAS PLACE ON MY CREDIT REPORT WITHOUT MY PERMISSION!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX this lady named XXXX XXXX sent me a message on XXXX XXXX who ask me about a property for sale, I told her yes it is available, then she said that her boss wanted to buy it, then she asked me for my business number the next day, received a message via XXXX Business by this guy named XXXX, stating that indeed he wanted to buy a property in XXXX XXXX, gosh he had me working even on the weekends trying to find the perfect property for him, then about 10 days later after sending messages back and forth out of nothing, he started to tell me about XXXX, I then told him i dont know anything about it, he told me i should start doing it to get more money, he told me i should start with XXXX which I wire from my bank account, i profit {$290.00} they let me withdrawa with no problem, then after the funds were received in my bank account I honestly believe in this person, next thing this guy convinced me to wire more and more, then when trying to withdraw the larger amount on XXXX they refuse to do it and said ilhave to pay 15 % of my profits for taxs, which was $ XXXX, I went crazy trying to cash in, I liquided all my credit cards when I finally made it to the $ XXXX IMC trading told me that I must of have done something illegal and for this reason now I needed to pay another $ XXXX, I started to cry then XXXX said not to worry he will help me to withdraw my funds with no problem, I shoud raise some funds then he will help me with a part of the required funds, I applied for personal loans then finally I tried to withdraw all my funds on XX/XX/XXXX, but my previous withdraw attempt XX/XX/XXXX status keept saying ( its to be reviewed ) never got updated THEREFORE I could not withdraw any funds until this is cleared, I tried sending messages to IM trading never replied to me anymore, and at the same time XXXX disappear, never replied to any of my messages or calls, ther message XXXX XXXX on XXXXr , she said XXXX went bak to XXXX for XXXX, now until this day I am trying to get help, I got XXXX surgeries this year, I just went back to work, I have an autistic XXXX XXXX XXXX child and will file bankruptcy, this is so discouraging, this money was supposed to be to buy a house for my son, anyone please help! Thank you
Product: Checking or savings account

On XXXX XXXX, 2017, I was scammed out of {$670.00}. I called Regions bank to stop the transaction but they informed me that they couldnt stop it because it was still processing. I explained to them that I had been scammed but they still wouldnt stop the transaction. Since the following Saturday was a holiday the bank would be closed. I went to the bank on Monday and the transaction was still processing, so they told me to come back on Tuesday. After I made the disputed I waited about a week to call the bank ; only to find out that the claim had been denied. The reason for the denial was because the claim was not filed right. There was also an affidavit that I was suppose to sign that the customer service representative never told me about.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 reported 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. 

XXXX XXXX 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: Payday loan

Took a payday loan from a company Called North Cash. Their interest rate is like borrow money from a Loan shark. It is not right they treat the consumers like that. My loan was {$1500.00} dollars with a payment of XXXX twelve installment payments. That is insane an not right. I do n't understand why the interest rate is so high and why I ca n't pay them XXXX every two weeks. It 's not right.