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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I have a credit card with Capital One. Being I dont like the fees from my current bank, I opened a checking account with Capital One, several weeks ago. In order to put some funds in my new account, I deposited a check, that was issued to me by my father. It was accepted for processing. But then I get an notice saying that I need to call in, to verify some information, which I had no problem doing. I called in, verified my personal info, as well as my deposit of my check. The lady on the phone told me it was fully resolved, and I had access to my funds again. I went and checked, to be sure. And sure enough, still frozen. Upon calling back immediately, I was informed that they wanted to speak to the check issuer, my father. I provided his current cell phone number, as its the only number he has. The lady on the phone told me that the number I gave isn't acceptable ( would NOT tell me why, nor would she call him ). I informed her that he has no other phone. I asked if he could call in, and was told no. And there's also no capital one location nearby, where he could go in. So, meanwhile, they processed the check. My father informed me that the money was debited from his account in full. It has also been applied to my current and available balances. Except there is still a freeze, where I can only deposit. I just want this resolved. The check has 100 % fully cleared into my bank, from origination bank. Thanks.
Product: Credit reporting or other personal consumer reports

Accounts were opened without my knowledge and are being reported to the credit agencies as collections. This is negatively affecting my credit score and ability to obtain credit.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On XX/XX/XXXX, I sent {$5000.00} via a check from JP Morgan Chase to my father 's account in XXXX XXXX XXXX ( see attached document ). On XX/XX/XXXX, my father 's XXXX XXXX XXXX account was closed, and the {$5000.00} was sent back to Chase via a cashier 's check ( see attached document ). Along with the check, XXXX XXXX Bank also included a copy of my original check from Chase to XXXX XXXX XXXX, and a letter to instruct Chase to return the money to the original depositor ( me, XXXX XXXX ). Chase cashed out the cashier 's check in the full amount of {$5000.00} on XX/XX/XXXX ( see the back of the cashier 's check for endorsement from Chase ). However, this {$5000.00} never reached my account. I called Chase, and they refused to acknowledge that the check was received ( which is clearly false ), and advised me to let XXXX XXXX XXXX issue me another check. I then called XXXX XXXX XXXX, and they said that the check had been cashed out, and it was not possible to issue another check. So I called Chase again, telling them the routing and account number, but Chase again refuse to acknowledge this check. I even escalated with Chase and spoke with a supervisor, who refused to acknowledge this check either. I have voice recordings of these conversations and can provide them upon request. I respectfully request JP Morgan Chase to take a look into this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amending complaint. 

Attached records reflect that Mortgage payments were reduced due to a forbearance. 
Reduced payments were paid within 17XXXX day grace period. Credit Reporting Agencies has these two payments as unpaid. Despite sending proof of payment and speaking to agents via phone, they refuse to update. 

Payment 1 was debited EARLY on XX/XX/2022 from XXXX Account ending XXXX for {$92.00} for XXXX payment. 


Payment 2 was debited XX/XX/2022 from XXXX Account ending in XXXX for {$92.00} for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Consumer Loan

FCRA 623 ( a ) ( 5 ) States that the original creditor ( TDAF ) is required to accurately report the DOFD separately to the CRA ( XXXX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. TDAF acted as was both the original creditor and collector for this account. 

The vehicle was repossessed in XXXX, XXXX. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. The specific key point in my account is that this charged-off account became delinquent XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. 

TDAF has misinterpreted FCRA 605 ( c ) and failed to accurately report the DOFD as mandated by FCRA 623 ( a ) ( 5 ). 

Attached is copy of the Account History provided by TDAF, copy of XXXX Investigation Report and a Certified Mail Receipt copy of my dispute to TDAF.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX2024 XXXX MORTGAGE XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX - XX/XX/XXXX2022 2022
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested a consumer report and ask for deletion of all derogatory incorrect accounts in my name that is not correct. Also I am requested to update my personal information. In accordance with The Fair Credit Reporting act the list of accounts below are violating my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 my rights have been violated.

15 USC 1681 section 602a. I have a right to privacy.

15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681-C- A -5 Section States no consumer reporting agency may make any consumer reporting 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 7 years.

15 USC 1681-S-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 any reasonable doubt causes to believe that the information is inaccurate.
Product: Checking or savings account

Received a letter for Huntington bank that they are closing my account and terminating their relationship with me. 

They will not tell me why but I believe that they are closing my account bc of XXXX merger. 

I plan to get an attorney involved if I am not given credible information regarding the closure of my personal checking account, my husbands checking account and our business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with all three credit reporting agencies. After reviewing my consumer report this account is still showing inconsistencies and inaccurate information. 

The amount {$7700.00}
Product: Credit card or prepaid card

I went into XXXX XXXX on XX/XX/XXXX to make a shoe purchase that I was unable to make online as I was having several issues when ordering and the rep advised that I go inside to place on order. When I went in the store did't have the shoes I wanted on hand and the cashier stated she could order them and ship them to me and at that point I paid for the merchandise in store and they stated it would arrive within 2 to 3 business days. After a few days past and I didn't receive the merchandise, I contacted XXXX XXXX to see where the merchandise was and they stated it was shown as delivered. I advised them at the time that I never received the merchandise and they stated that I would need to call XXXX to initiate an investigation which I did. XXXX finished their investigation and stated that they showed it as delivered and left on the porch ( although I previously advised them not to because I had issues like this in the past ) but their was no package to be found. They told me to contact XXXX back and advise them that their investigation was completed and to have them issue a refund or merchandise. I called and requested that they re-send the merchandise and they stated they could only offer a refund and I would need to re-purchase. They initiated the refund for merchandise not received and sent a confirmation email showing that the refund was processed, but after several days of not receiving the refund I contacted Bank of America to start a dispute because I never received the refund they promised. It took 6 months to get a 1st response from BOA stating they were denying it because I went inside the store and made the purchase and they stated that merchandise was obviously received because I made the purchase in store. I then advised BOA, that I did in fact make in in store but never took the merchandise as they had to deliver via online because the stock was not available. At that point they re-investigated the claim with that information and I also forward the the actual email confirmation from XXXX XXXX of the email that was sent to me showing that the return process had been initiated but once again the funds were never disbursed. I received a letter from them again on XX/XX/XXXX stating that because I went inside the store and made the purchase, they were unable to refund my money although I NEVER RECEIVED THIS MERCHANDISE! This is insane, I cant afford to pay for merchandise I never received and I never had or received these items how can I ve held liable for these transactions?? Please investigate this matter and advise me of my options as this whole process seems corrupt and unfair, please help me!
Product: Vehicle loan or lease

I understand there is a settlement involving Santander Consumer USA and I believe I am a victim. I have had my car since XXXX and Im am still trying to manage my high payments. I have once, in XX/XX/XXXX got my car repossessed because of low payments and been able to reinstate my loan with a high reinstatement fee. 


When I initially walked into the dealer ship I went with a former friend to be a possible co-signer if needed. Some how the tables turned towards me and I was being offered a loan.
Product: Mortgage

XXXX a mortgage servicing company under Lakeview Loan Servicing has had its website down for about a month. Its been impossible to get in touch with anyone. I tried to pay my mortgage today but the site was still down. I looked it up and I had to learn through XXXX of all places that they apparently have been hacked this entire time which is why we cant access our accounts. During this entire month none of the companies have sent ANY communication letting their customers know what is happening. This is unacceptable as far as a mortgage company is concerned to leave us in the dark like this.
Product: Checking or savings account

Hello my name is XXXX XXXX, Ive had my account frozen through XXXX XXXX for some time now. Ive reached out to them multiple time. They informed me my account was on hold because it was not a business account which is completely fine. Capital one never mailed me a check or anything with my funds.
Product: Credit card or prepaid card

in the month of XX/XX/XXXX I applied for an avant credit card and it was approved and while waiting for the card to arrive I received an email notification from avant customer service concerning a change of phone number request, I immediately contacted avant customer service and advised them that I made no such request and that I haven t received the credit card in the mail yet, they informed me that credit card ending in XXXX had been activated and purchases had been made I advised them that the card had never arrived and must have been intercepted in the mail and that they should cancel it and send me a new card they said they would cancel it and resend a new card to the same address and it should arrive in seven to 10 business days which would have been XX/XX/XXXX, however on XXXX the XXXX I received another email from avant stating that my new card ending in XXXX had been activated, I immediately contacted avant customer service and advised them that I had not activated nor received any credit cards and that the card had again been stolen from the mail and to cancel it, i provided them with my sisters address and asked that all correspondence by mail be sent there they mailed me a new credit card ending in XXXX to my sister address but they added all the stolen card charges to the card so I refuse to activate it, they also claimed to have conducted an investigation case XXXX for XXXX, case XXXX for XXXX, which they claimed to have uncovered evident of my activating and using the XXXX stolen cards but refuse to provide the results, they also refused to provide the stolen credit cards numbers for the police report filed for the stolen cards complaint XXXXXXXX XXXX percent XXXX, they are billing me {$1800.00} for credit cards that I never received nor activated and have damaged my credit with the XXXX credit bureaus because of my refusal to pay.i also filed a report online ne with the FTC concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I made an uninformed decision on XX/XX/2016 when I entered into this consumer credit transaction. The only evidence they have is the agreement, and since there is no evidence of indebtness and because of this uninformed decision this contract is null and void. It was not clear and conspicuous.
Product: Credit card or prepaid card

I have been going through financial hardship and have been in contact with my creditors. I have requested payment assistance, ergo a forebearance and Capitol One will not work with me. I have explained the details of my hardship to multiple phone agents and I have been advised that if my account were to grow further delinquent they may have assistance options, but at that time my account was already 60-90 days delinquent. It seems that the company is encouraging account delinquency before payment assistance/relief will be provided, and therefore negatively impact the customers credit score. I was offered a late fee waiver program where I could pay at any time without the fees but they will still report to the Credit bureau the number of days delinquent, and not that I was in any relief program. After growing further delinquent as I was advised I was initially denied a review for a forebearance, and then upon a 2nd request I was told that I did not qualify for a forebearance in spite of the account being further delinquent. I was told the only relief they will offer me is the late fee waiver program and that they are considering closing my line of credit. I answered their calls, kept them informed of my finances, grew further delinquent as I had been advised to by multiple phone agents, and still no assistance! Now that I'm calling to get pay off information I am not able to get any  information on my account through the automated system, I have to wait another day to talk to a phone agent. I'm sorry, but if they were not willing to assist me, why would I want any phone agent to receive credit for me paying off the balance or bringing the balance down? No matter the level of delinquency on my account, I should have the same rights to access my account as someone who is current on their account! As a creditor they should be willing to work with customers who are trying to resolve their debt and not encouraging customers to grow further delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EQUIFAX To whom it may concern : EQUIFAX did not do a proper " investigation '' according to the FCRA. FLAGSHIP CREDIT ACCEPTANCE Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 
Equifax did not do this. 
Also Equifax has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 
Equifax stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in XXXX. 
Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Equifax on the account FLAG SHIP CREDIT ACCEPTANCE the dates last active are reporting differently on my most updated report that was sent to me by Equifax after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 
This is grounds for removal as Equifax informed me a proper investigation was completed and the information was accurate when in fact the information is not. 
I have submitted the reports that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports. 
Please delete this account from my report as this investigation was not properly done following the FCRA. Also due to the false information Equifax allowed to report on my credit report even after the investigation. Which is negatively impacting my reputation and charcter. 
Thank You
Product: Credit reporting or other personal consumer reports

On several occasions, I have asked Equifax, XXXX and XXXX to delete a bankruptcy account that was added to my credit profile in error. 

XXXX XXXX XXXX Case type : XXXX XXXX : XXXX Asset : No Vol : v Chief Judge : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Date of last filing : XX/XX/2019 Date terminated : XX/XX/2019 I have reached out to the court. And I was informed that they do not share this information with the credit reporting agencies. I then reached out to XXXX and they informed me that the record would be deleted from my consumer report. Once I gathered this information and informed the credit reporting agencies, they stated that they researched the information. Which is not good enough. According to consumer law under 15 usc 1681i, all accounts must be verified for accuracy. In this case, it was stated both by the bankruptcy court and XXXX that proper verification was not done.
Product: Credit card or prepaid card

This account was closed XX/XX/XXXX for returned payments because at the time I wasnt aware that there is a particular way that this company likes the payments to be made. I made a {$72.00} payment XX/XX/XXXX and on XX/XX/XXXX upon checking my credit report my closed account is reporting XXXX days late. I would like this removed from my report immediately. Ive continue to make payments on my account, even though they closed my account without my knowledge. This account is closed there should not be any new activity on this account.
Product: Credit reporting or other personal consumer reports

I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Status date information across reporting agencies is inaccurate and incorrect one has pass due amount of XXXX XXXXother have paid in full while other have my account reporting as open and closed accout .... date XX/XX/XXXX other dates XX/XX/XXXX ....