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

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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 updated. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Product: Debt collection

I had never received a notice from XXXX XXXX for XXXX   XXXX XXXX for overdue amounts from the expressway that totaled the amount of around {$60.00}. The website is very vague and only shows the initial amount that your account went negative so I could only ever see that my account was - {$.00} or - {$.00}. I would get a notification on my email that my account balance was low ( < {$10.00} ) or below {$0.00}. I would make a payment of $ XXXX and the notification would go away and my account balance would show positive balance and as I would travel the XXXX XXXX I would have all green notifications signaling my account was replenished and the notification emails would stop about the insufficient funds. Somehow over the months of XXXX to XX/XX/2019 I had managed to owe around $ XXXX from unsettled amounts from negative balances not being shown on the website, that weren't being covered by my reimbursements. The problem came in when they were sending the notices to a previous address that I no longer had access to and the mail wasn't being forwarded. Over months I was replenishing my account , drive the XXXX to work using money on my account , drive the toll see a green light after I paid. I had no way of knowing this problem way happening until months late in XXXX when I received a clump of finally forwarded mail from Professional Account Management in XXXX, Wisconsin for a sum totaling over {$1200.00}. I was calling back and forth between XXXX XXXX and XXXX XXXX trying to explain the situation over and over again to just get basic information about how the charges happened, where, getting a basic transcript that didn't even have the information I was asking for to prove what I was telling them. XXXX XXXX  representative had said on one occasion it had looked like the transponder had potentially malfunctioned and sent me a new one. I never could get straight answers about what had caused it but XXXX XXXX XXXX   said that they couldn't help me because they had released it to Professional Account Management, P.A.M said they can only waive debt if it was proven to not be your vehicle. I have been stuck in a circular cycle without hope because I am being threatened with an absurd amount, they tacked on {$35.00} on each charge of {$0.00} for " administration fees '' that blew the total cost to 2000 % over the initial charges. I spent weeks of stressing and calling agents who I would have to re-explain every time and anxiously waiting to hear back. If I had any indication that this was happening or that I had owed {$60.00} on my account I would have paid it. Please help me.
Product: Credit card

Synchrony Bank, during the month of XXXX 2015 closed my American Eagle Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the American Eagle Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 
According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only one which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I received a cancellation of debt notice and I see that the debts are still appearing on my credit report, I have it understood that since I received a XXXX I am no longer liable for these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Bank is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. Ally also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} Ally has repeately misrepresented this account with all three credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

My Business Credit Card info was stolen and used by someone not related to the Company. When I discovered what was going on, I called Chase and made a police report. I the conversation with chase i explained my card was stolen and being used like they owned the credit card. I mention a couple of charges over the phone and tell them that when they send me the statement of loss i will revise and make sure all fraudulent transactions were in. They refunded me for what I told them over the phone. Then they Put them back to my account, saying that they investigated and their conclusion is that It was me who made the charges and I'm responsible. The money they refunded me was far less than what was stolen from our Business Credit Card.
Product: Debt collection

A company called XXXX XXXX XXXX has been calling me non stop at all hours of the day and night attempting to collect on a debt from a motor vehicle accident in 2014. At the time of the accident I was XXXX years of age and insured. This company has threatened to illegally garnish my wages as well as be waiting at my house with the police to arrest me on multiple occasions. They have asked for my parents and grandparents names to attempt to collect this debt. The women who spoke to me asking for this information resorted to name calling and personal insults. This is been going on for almost 2 years now and it needs to stop! I have asked them multiple times to stop harassing me and remove my number and they just continue to do it more and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated and the following companies has information that is not 100 % correct on my report. There are several accounts I have asked the company to investigate every time they come back with the solution the information has been updated. The companies I have disputed has been incorrectly reporting dates since charge off for over two years with a balance. Also, I have sent in information to creditors to validate my debt which hasn't been validated. I have asked Experian several times to properly investigate this matter as well as send me information to whom they have contacted to investigate. None of this has been done it's been about three to four months now and I still have this information tarnishing my report.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
I told Equifax to reivestigate these accounts. However, they stated everything was accurate. How can that be if the open date, date of last activity and much more is incorrect. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, written permission to furnish these accounts. 

According to 15 USC 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. 

Accounts are as follows : XXXX XXXX ; opened XX/XX/XXXX {$6100.00} XXXX ; opened XX/XX/XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX ; opened XX/XX/XXXXXXXX XXXX ; opened XX/XX/XXXX FTC Report XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} INQUIRIES : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Other financial service

Previous [ Case number : XXXX ] XXXX XXXX lied and said I had the wrong company and I am getting all parties XXXX involved this woman lied to a federal agency and I want my money back. I am going to be in touch with President Obama 's office and the Consumer Protection Bureau to also follow up on my case. 
XXXX XXXX of Simple Credit Solutions, told me over the telephone that she could delete XXXX accounts for me for {$800.00} and she did not fulfill her obligation. Also on my previous complaint she lied to the Consumer Financial Protection Bureau and told your office she was not the creditor who they provided services for and she has also forged all documents and information about what she did for me on my credit report and no items as she promised go deleted. I am asking that the Consumer Financial Protection Burea make her pay me back my {$800.00} and impose a fine on this company for lying and falsify information saying I had the wrong company which is a complete lie. XXXX XXXX gave the same fasle information the the XXXX who does not regulate credit repair companies. Before I contact XXXX the President to get action done I want my money back. 
This company has lied to you a Federal Agency and this has gone on long enough. 
This is there information below : XXXX XXXX XXXX, XXXX Professional Speaker, Consumer Advocate and Author Simple Solutions Credit & XXXX Consulting Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
Product: Student loan

I got a loan with Discover when I was still in school and didn't fully understand about financing options. I had 4 different loans with them totaling ( as of XX/XX/XXXX ) over {$26000.00}. I started working on reducing my loans total and managed to pay off one of the loans. As of XX/XX/XXXX my balance was {$23000.00} and I started paying MORE ( but not a lot since I can't afford it ) than my minimum monthly payment. Even then, my balance has constantly crept back up and now it's {$23000.00} ( after 2 months of more than minimum payments ). My payments go mostly to interest payment, not principal balance. When I talked with them, I was told that interest accrues daily, so I pay interest first. I find this unfair, and would like to be able to make principal payments first.
Product: Credit card

The Home Depot/CITI card wrongfully accuses me of making an in-store purchase of 112 cases of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from its XXXX store located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX on Thursday morning, XX/XX/XXXX. However, I never made such a purchase and never took possession of the 112 cases of flooring. Nonetheless, The Home Depot improperly charged my CitiBank card XXXX. XXXX the sum of {$7100.00} and refuses to erase the fraudulent charge. The Home Depot stands by this refusal despite knowing the precise date, time and location of the alleged transaction and the identity of the cashier ( XXXX ) who processed it. The Home Depot also stands by its refusal to erase the fraudulent charge despite its access to security footage that would confirm that I was not the purchaser of the flooring. On XX/XX/XXXX, The Home Depots Security Operations advised me that the missing flooring was picked up by XXXX at The Home Depots XXXXXXXX XXXX store. Later, Security Operations advised me this information was incorrect. I found out later that the flooring was picked up at the time of purchase at XXXX XXXX XXXX. I have proof that I was at work that day and a police report from XXXX XXXX XXXX stating that I was not the person that purchased or picked up the flooring. The Home Depot/CITI is charging me {$7100.00} for a purchase I never made.
Product: Credit reporting

XXXX and Equifax have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of XXXX Equifax , and XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted XXXX and Equifax come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX immediately.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail report that I am a victim of XXXX XXXX After reviewing my credit report, due to these unforeseen circumstances, there is information that reporting that is a direct result of my time spent in captivity. I have attached all of the documentation attesting to my situation. I will also list all of the fraudulently reporting accounts below. 


XXXX XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXXXXXX XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXX Inquiries Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request proof of submission for a loan or credit account. This was not provided by either company or credit reporting agency. this is because it was part of a Identity theft breach. 
I provided information proving the Identity theft. The CBNA inquiries need to be removed from my credit report. All of them. No one tries the same company and application this close apart after being denied except if its identity fraud. 

XX/XX/XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Debt collection

Contacted by 3 companies representing the same debt owed, for the same service. All three are reporting individually. 

Only 1 represents the correct provider of service. Provider was unwilling to work on payment arrangements when spoken to and turned over to collections. 

I only received 1 EMS service, copies of Ambulance Record and  Emergency Room Intake will follow. I was left in a XXXX  from this accident and released from the hospital in XX/XX/2017 to my relatives without EMS services.
Product: Credit reporting or other personal consumer reports

I noticed XXXX/COMENITY/XXXX  and XXXX  furnishing illegal information on my consumer report. There is a late payment reflected on XX/XX/year>. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, this furnishings is illegal and bearing on my credit worthiness.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint regarding an account with Agua Finance that is being reported on my credit report. Despite making payments for many years, the balance on this account has never decreased. Attempts to contact the company for clarification have been unsuccessful. The provided phone numbers do not work, and representatives have become unresponsive. Additionally, Agua Finance promised consistent monthly supply as part of the agreement, but they failed to deliver on this promise. 

This situation appears to involve fraudulent activity, and it is negatively impacting my credit report and overall financial standing. 

Relevant Credit Laws : Fair Credit Reporting Act ( FCRA ) : Under FCRA ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers like Agua Finance are required to ensure the accuracy of the information they report. Reporting a stagnant balance on an account despite consistent payments violates the obligation to maintain accurate records.

Fair Debt Collection Practices Act ( FDCPA ) : If Agua Finance or any third party involved in collection activities has made misleading statements or failed to provide accurate information regarding the debt, it is a violation of FDCPA ( 15 U.S.C. 1692 ).

Consumer Financial Protection Act ( CFPA ) : The companys failure to honor its contractual obligations and unresponsiveness may constitute unfair, deceptive, or abusive acts or practices under CFPA ( 12 U.S.C. 5531 ).

Requested Actions : Investigation : I request that the CFPB investigate Agua Finance for its reporting practices, lack of transparency, and potential fraud.

Account Update : Require Agua Finance to update my account to reflect a XXXX balance, considering my years of payments and their failure to meet contractual obligations. 
Correction to Credit Report : Direct the credit reporting agencies ( XXXX, XXXX, and XXXX ) to update my credit report to accurately reflect the resolved status of this account. 
Written Communication : Mandate that Agua Finance provide all correspondence and resolution details in writing to ensure accountability and transparency.

Enforcement Action : If fraud is confirmed, hold Agua Finance accountable for its actions, including any penalties or restitution to affected consumers.

This ongoing issue has caused significant harm to my credit and financial well-being. I trust that the CFPB will address this matter promptly and ensure compliance with federal laws to protect consumer rights. 

Thank you for your attention to this matter.