23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX ; was never later, but XXXX is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but XXXX reports me owing them.

4 ) XXXX XXXX XXXX  sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. XXXX  consistently & fraudulently puts them on and off of my report as a charge off.
Product: Credit reporting or other personal consumer reports

Attn : Experian Credit Bureau I, XXXX XXXX, have tried accessing my account online for over a week. I have been verified XXXX times, answering all security questions, yet I still have no access to my accounts. On XX/XX/XXXX, I called to dispute some accounts but was cut short due to not having the full account numbers. 

- There are several creditors and items being reported that I have no knowledge of and should be removed. 
- Additionally, I need the block on my online access removed. 

XXXX XXXXXXXX : ( Experian : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX - dispute filed I do not recognize the following accounts and request their immediate deletion : - XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX : Ending # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX - ID # XXXX ( XX/XX/XXXX ) Security Questions : - Auto loan : XXXX XXXXXXXX XX/XX/XXXX - Auto loan payment : {$330.00} - Previous Employer : XXXX XXXX XXXX : XXXX Mailing Address : XXXX XXXX XXXX, XXXX, AR XXXX Phone : ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, I tried to log into my Venmo account on a brand-new phone that I had transferred my data to. When trying to log in, the app produced strange errors indicating a problem in the XXXX authentication client used by the app, with the text " XXXX XXXX : Login not allowed. ". I called customer support, who insisted that this was a " security measure '' rather than a bug in their authentication implementation. After much troubleshooting on the phone, it was determined that the username the app had auto-filled was incorrect. The troubleshooting session was frustrating because it felt like the representative was avoiding acknowledging the bug ( they did remark " how did you know this was a well-known issue? '' in a brief lapse in the script ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed Capital One twice ( XX/XX/XXXX and XX/XX/XXXX ) asking if they could please do a goodwill gesture and update my 2 late payments on my CLOSED Credit Card - 30 days late - one for XX/XX/XXXX and XX/XX/XXXX ) so that they show as 100 % on time payments. My daughter was in the hospital with XXXX and due to the fact that I had to stay in the hospital with her, I had to miss work and that caused for me to fall behind on my bills. I was really going thru a financial hardship during that time. Both times Capital One called me and said my issue didn't fit their guidelines so they couldn't change it. When I asked what those guidelines were, they couldn't explain that to me. I am and have been a loyal customer of Capital One since XXXX. I currently have 2 credit cards with them and ALWAYS pay on time and pay the accounts off every month. I am looking to purchase a house this summer and those 2 negative marks are hurting my credit. I would really appreciate the goodwill gesture of making that account current. Thanks in advance! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes on my account to Credit Acceptance Corp relating to the reporting of the account. The status shows as in repossession -- this vehicle was voluntarily surrendered in 2015 and has been reporting incorrectly for years. The last payment date is incorrect -- they are using the date the vehicle sold at auction and the proceeds were applied when that was not a voluntary payment. The last payment date reported on a credit report is to be the last voluntary payment. The account closed date is incorrect -- it should have been reported as closed on the date of voluntary surrender. The balance is incorrect -- they are continuing to report this account as if it is still open and payments are due. The payment history is incorrect -- it should no longer be showing monthly payments are due/past due as no monthly payments are due on the account -- it should have been charged off long ago. The balance is incorrect -- somehow it increased in the last month! I am going to take legal action if these items are not remediated.
Product: Payday loan, title loan, personal loan, or advance loan

My payments were automatically drafted from my checking acct. from the start which was in 2024. I received XXXX statement at the beginning of the start of payments. When I was ready to payoff the loan after 7 months, I called for a balance for pay off and was sent a statement showing I owed more than the original loan amount and I asked why and was told the payments went for interest first .My sister paid the acct off for me and I sent {$2.00} more than what was owed. The next day, I looked online on their site and the statement showed a little over {$3.00} was applied to the principal with my XXXX payment I had recently paid before paying off. I have copied a few statements from online and everything I could from the pay off. This was all due to my needing a partial roof to get insurance on my home and a sales person came to my home to give me an estimate and set me up with financing. I also have the paper I took notes on during this meeting .I will see what happens with any refund of over payment .I was also told the company told the finance company the job was completed earlier than it actually was because the workers melted my vinyl siding and they had to fix it all before I would sign a completion certificate, so the only way the job was completed when they said it was is if the company forged the completion certificate, but my payments did not start until after the completion of the repairs.
Product: Credit reporting or other personal consumer reports

This debt was paid in 2019. I have been disputing it ever since it appeared on my report and XXXX and Equifax refuse to investigate. They just place a statement that it meets the FCRA without sending me proof that this debt is valid. I am a current XXXX XXXX customer and would not be allowed to continue services if the debt has not been paid. Neither of the companies that this debt keeps shifting to are providing evidence I a requesting, yet it is affecting my credit score.
Product: Credit reporting 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. 

Company name : XXXX, XXXX name : XXXXXXXX XXXX XXXX Company name : XXXX XXXX  XXXX, Company name : XXXX XXXX XXXX Company Name : XXXX  XXXX, Company Name : XXXX XXXX  XXXX Company Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or
Product: Credit reporting, credit repair services, or other personal consumer reports

I stopped using XXXX XXXX services and move from my house the with internet service in XX/XX/2018. After this, I canceled my account with them. After canceling my account, they continued to charge me for services they never provided on an account that had already been closed. I do not owe them any of the money that they are requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT INFORMATION IS IN MY REPORT. XXXXXXXX XXXX XXXXXX/XX/2021 {$37000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act XXXX and according to 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: Money transfer, virtual currency, or money service

Wells Fargo cancelled a wire transfer I made on Friday XX/XX/XXXX. I had called the bank at about XXXX to see when the cutoff would be they said XXXX and the amount could not exceed XXXX. I submitted the wire and and got the all good signal. 
Then on the weekend I got a text that the wire had not gone thru and it had been cancelled. 
I complained the following Tuesday XX/XX/XXXX after rearranging the transfer and resent another wire only this time for {$120.00} more because of interest accrued by not having it delivered on XX/XX/XXXX as scheduled. On XX/XX/XXXX I received an answer to my complaint. 
" We confirm that a wire was submitted on XX/XX/XXXX for {$23000.00} and was held by our XXXX XXXX due to you recently enrolling in online wires, a first time online wire, a first time payee, the dollar amount of the first time wire, '' At no time did anyone say or is anything posted online about first time limitations. I've been a Wells Fargo customer for 45 years. Both business accounts and personal w/two stage verification, and there was plenty of money in the account for the transfer. So they knew me and my banking history which is stellar and they were sending it to XXXX bank for heaven 's sakes. 
That doesn't have even the faintest smell of fraud ... but this stinks.
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. 


These are the accounts I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Account Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX  brought the debt from XXXX AT XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX  XXXX to provide me the direct contract between them and XXXXXXXX XXXX XXXXXXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXXXXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to out of XXXX XXXX XXXX XXXX, Transunion, and XXXX reporting this to my credit report.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : HYUNDAI CAPITAL AMERIC XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 wrong doing. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is the result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 
I expect a written response acknowledging the receipt of this dispute letter and detailing the actions you will take to rectify this situation. Additionally, I request a copy of my updated credit report once the corrections have been made. 
I contacted the bank associated with this account, and they have confirmed that the account was fraudulent and has been removed from their records. Despite this, the account remains on my credit report with your bureau : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have tried for XXXX days and repeatedly proven who I am and your unqualified and unprofessional staff are keeping me from my own account and discriminating against customer choices and laughing at customers while on live calls. I am filing with the XXXX, XXXX, and a few other agencies and contacting my attorney general 's office as well as the FTC. XXXX had shut my line off before it was supposed to and was on my way home and needed my cards unlocked. I went through all the verification with the associate, then did as he instructed. After the first email, with personal info, then the next email wanting more information provided it as well, then another and added a picture then it was the editing then not sent from the right email/ over and over .. Then after all information was given all questions answered and being laughed at by your employees Still nothing and can't get in my account. will be posting this experience online here at XXXX to warn consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.
Product: Credit reporting or other personal consumer reports

I have been a Bank of America customer since XXXX i was enrolled in Privacy Assist when i opened my accounts. i have not been able to log in to my account, or receive any help closing my account. i am still being charged for this service. when i have called in the past, i have been put on never ending hold or the call was dropped.
Product: Credit card or prepaid card

I use the XXXX Credit Card from time to time for promo offers and benefits for over 5 years now with do issues or late payments. However recently I received call my account with delinquent and I have been reported to credit bureau. Obviously this was unbeknownst to be as I had received no communication or notice of any issues beyond a monthly generic email. 

While all other CC i use allow for monthly auto payment, XXXX does NOT. 
Upon calling in I was met with hostile response and accusational tone as I tried to correct the problem. After further digging realized that return was processed causing a small remaining balance ( {$44.00} ) which i then paid immediately. Because XXXX does not allow auto payments or contact customers with notice of late payment this issue was not realized or corrected until after I had been reported to credit bureau. After exhausting every resource with XXXX I am now forced to contact each of the three credit bureau to dispute and missed payment on {$44.00}. They also charged multiple late fees of over {$75.00} during the 60 days until i was notified, which was unfortunately to late.