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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Inaccurate and different information across the three bureaus transunion, XXXX and XXXX I want these account to be remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I entered into a payoff agreement with XXXX. This was to split my balance owed of XXXX into 4 payments of around {$260.00}. I have successfully paid cash advance debts to this company in the past without any problems. The first payment came out as expected with no problem. I then received phone calls saying that I didn't have the funds available and my payment bounced. This was not true and the payment came out with no problem and I have proof that it did. I explained this to the lady at the local office and she said they were having problems because they updated their system. I also spoke to someone in the collection department and she had me fax my proof which I did several times and then she said they wanted my full bank statement and I also faxed that. I soon started receiving collection calls and I saw they still didn't show my payment and added a fee on top of that making the balance {$1100.00} when I only owed {$850.00}. I said I would pay the {$850.00} if they corrected the amount. 
I had not heard from them in a while and I saw on my credit report that they sold the debt to a company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and they are reporting I owe {$1100.00} I sent them a letter with my proof and they have not replied nor have they adjusted the amount and I also notified XXXX XXXX and enclosed my proof which is my bank statement with the payment clearly labeled XXXX taken out as I said and XXXX XXXX responded and sided with the company saying the debt is valid. I am aware I owe them {$850.00} but not {$1100.00}. I do not know where else to turn and I don't see how they could possibly dispute my bank statement proving this. I have been trying very hard to keep my credit clean and I am very upset with this situation and any help you could offer would be greatly appreciated. 
Thank You, XXXX XXXX
Product: Credit card or prepaid card

I been trying to apply for a credit with capital one they keep on telling that they can't do business with me. They blacklisted me from applying. I had a car loan with them XXXX to XXXX I paid that off with no problem. I never was late. I am wanting to know what is the problem I spoke to employees they don't understand why I an being black listed I do not owe them people at. I want thorough proof.
Product: Credit reporting or other personal consumer reports

Equifax claim that they have completed my dispute : I disagree with the account listed below which still appears on my credit report, even after Equifax investigation. I would like this item immediately re-investigated. This inaccuracy are highly injurious to my credit score : Dept of Education XXXX. I have sent proof of this and it is still on my report.. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

Somebody wiped out all my accounts account I didnt authorize this.
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. 

XXXX  Account # XXXX, XXXX, XXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section 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, credit repair services, or other personal consumer reports

XXXX XXXX University made an error. I brought the error to their attention, and XXXX XXXX University fixed the error. However, XXXX XXXX did turn the account over to General Revenue Corporation. 

It is my understanding that XXXX XXXX University has been trying to reach out to General Revenue Corporation, but no success. 

General Revenue Corporation keeps contacting me for payment. My student loan paid this bill.
Product: Debt collection

Car was repossessed in XX/XX/XXXX. They came and got the car, and sold it for less than market value, market value at the time was XXXX The original debt was XXXX -sold car for less than {$1000.00}. NOW they say today XX/XX/XXXX ( 18 years ) I owe {$12000.00} ( caller of collection agency -said this ) This is the XXXX collection agency to purchase this debt. Letter received says I can settle his debt for a mere $ XXXX! 
Agency is First National Collection Bureau , Inc .
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX  POTENTIALLY NEGATIVE Date XXXX Balance {$2100.00} StatusCollection account. {$2100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusClosed. {$20000.00} written off. 

XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$800.00} StatusAccount charged off. {$800.00} written off. {$800.00} past due as of XXXX XXXX. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Debt collection

Receive a call stating that they are trying to collect a debt that isn't mines. I never received any services from this place of business and made this aware to them that this is not my account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - 1985 Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address - XXXX XXXX WAY, XXXX XXXX XXXX FL, XXXX EMPLOYER - XXXX XXXX XXXX  - XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX,three(3)fraudulentchargesweremadetomyCITIBankAAdvantageExecutiveMasterCardatthefollowinglocations:{$5400.00}--XXXXXXXXIL{$840.00}--XXXXXXXXXXXXXXXXIL{$780.00}--XXXXXXXXXXXXILTOTAL:{$7000.00}AtXXXXonXX/XX/XXXX,Ireceivedatextnotification(detailsincludedinattacheddocumentation)askingmeifIattempted{$1900.00}atXXXXXXXXXXXXXXXXwhichIimmediatelyresponded"2''(NO).Ithenreceivedanauto-responsetoopenafrauddispute,whichIdidinlessthan1minute(detailsincludedintheattached)afterreceivingthemessage.

IspokewithafraudspecialistatCITIfor7minuteswherewewereabletoidentifytheaforementionedthreechargesthatwereNOTauthorizednormadebyme.Thefraudpreventionspecialistthenshutthecarddown,mailedmeanewcardandassuredmetheclaimswouldbetendedtoimmediately.

OnXX/XX/XXXX,IreceivedaletterfromCITI(detailsintheattached)informingmethattheydidnotconsidermydisputetobefraudulentactivityandtherefore,myaccountwouldberebilledforthethecharges.Sincereceivingtheletter,IhavespentcountlesshoursonthephonewithCITItryingtoresolvethedispute--which,includedthereopeningandquicklyreclosingoftheinvestigation3times--allresultinginthesamedetermination.

CITIiscurrentlyinviolationoftheirowntermsandguarantees"AtCiti,youwillnotberesponsibleforunauthorizedcharges(chargeswhichwerenotmadebyyou,oranyoneallowedtousetheaccount)'':https:XXXXAsaloyalCITIAAdvantagePlatinumcardholderformanyyears--acardthatcarriesa{$500.00}annualfee--thishasbeenacompletelydishearteningandunprofessionalexperienceandhavelostallfaithinthebank.
Product: Money transfer, virtual currency, or money service

I made a donation to my daughter 's school using paypal. 
I put my daughter 's name and period 1 teacher name in the memo. 
The paypal resolution center is holding my donation until I provide period 1 teacher 's date of birth. 
There is no way I can provide period 1 teacher 's date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries that followed I didn't not authorize are : XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Three inqueries not authorized. Next, I applied to XXXX XXXX XXXX XXXX, XXXX. The following inquiries not authorized : University XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Two inquiries not authorized. Next I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries I did not authorize. XXXX XXXX, XX/XX/XXXX. University XXXX XXXX, XXXX XXXX, XX/XX/XXXX. Thre inquiries not authorized. Total inquiries not authorized are 8. These were not explained to me and I had not been informed these would be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020, I used the XXXX site to try to access my Equifax report. The challenge questions presented by Equifax in that process were all completely unfamiliar to me, as if someone else 's information had by comingled with my file. The Equifax site concluded by telling me I had to file by mail. 

On XXXX XXXX, I downloaded the Equifax form, and filed it, along with the required supporting documentation, by mail. 

On XXXX XXXX, I received a letter from Equifax demanding " additional information '' before they would fulfill my request for the report. The additional information requested was only that information that accompanied my filing of XXXX XXXX. 

Nevertheless, on XXXX XXXX, I sent a letter along with the requested additional ( duplicate ) information. I have had no acknowledgement or response from Equifax since. 

The same thing happened to me last year when I tried to get my report from Equifax. CFPB was able to help me on that occasion ; I am hoping you can help me again.
Product: Debt collection

First off this debt was previously disputed and removed from my report, then purchased by Transworld System which by the way is not licensed in the state of Florida to collect debt requesting investigation
Product: Checking or savings account

On Tuesday XX/XX/XXXX I was alerted by my husband that all of our funds from the joint checking account which I am not the primary account holder was missing over {$400.00} that was auto transferred to another account. I immediately logged into my online account and noticed that Bank of America decided to cover a charge from XXXX that was not authorized and saw a long line of fees that the bank was trying to charge me. I was already in the works of disputing other XXXX charges and was not alerted of this transaction. I have called multiple times to get this resolved to no avail. either I am put on hold for long wait times or am told that the account is set up with overdraft protection, which it is not because I have logged in and saw that was false information by the .customer rep. The two accounts are not linked and now I am without money for my child 's daycare because someone at BOA decided they were going to make a deposit on my behalf.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This happens EVERY TIME and I am sick of it! I carefully type in all my information and correctly answer their questions, but they refuse to give me my reports. 

Equifax says they can not provide my report online, to send in a copy of my Social Security card and drivers license through the mail. 

XXXX  says " a condition exists '' that prevents them from being able to accept my request, and to contact them through the mail. 

XXXX NO I'm not doing that! YEAR AFTER YEAR AFTER YEAR I get these XXXX messages and I'm not tolerating it anymore! I am NOT going to risk my personal information getting lost or misdirected in the mail. This is XXXX, not XXXX! Given the EXACT SAME information, XXXX  gave me my report online just fine. If they can do it, so can the other two!
Product: Credit reporting or other personal consumer reports

inquires on my credit report that i knew nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  says its on file till XXXX XXXX XXXX could not reach anyone at this number inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....
Product: Vehicle loan or lease

I purchased a used vehicle in XXXX finance with Capitol One Auto. I received a letter from them stating I owed {$1300.00} in late fees and interest, in addition to a deferment in XX/XX/XXXX. I had one deferment in XXXX and never did another. I called on XX/XX/XXXX, spoke with " XXXX '' who initially stated I had no late payments and when I informed him that I made a payment and could verify in my bank statement. I asked to speak to a supervisor and was told " XXXX '' was on another call. XXXX transferred me to a " Resolution Specialist '' who spoke with broken English and could not answer my questions regarding proof of late payments. Instead stated " XXXX '' late payments which is totally false. I asked to speak to someone who spoke English coherently, like their immediate supervisor and was today was holiday and no one else was there. Really. The rep disconnected that call when I told them I didn't appreciate being lied to.
Product: Credit reporting

Equifax keeps sending you a response that says I have not provided additional communication. That is not true, I have provided the same additional documents that I have provided to you. I am not sure what the asterisk in front of the statements provided in the response. Additionally, I no longer get a case number from Equifax when I dispute my credit report. Since I have been blocked from online reporting and mail documents. This does n't seem to be in line with the Fair Credit Reporting Act.
Product: Mortgage

A former employee, forged money orders from consumers using her as the loan officer in the US XXXX XXXX of XXXX XXXX. We have been able to track down $ XXXX worth of forged MO. The individual also took cash form other consumers. The loan officer befriended the customers and got them to take her blank MO and told them she would take care of the services and pay with the MO. She forget the MO to look like it was used for the service but cashed them for her personal use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe it was XXXX or XXXX of this year I noticed my credit score had dropped XXXX points. I quickly checked my report to see why and noticed someone had tried applying for a XXXX  XXXX card in my name. I have never tried applying for any type of card as I have zero interest in ever getting one. I tried disputing it as I never applied for it. But after trying to dispute it a couple times theyve done nothing about it. They just keep closing the investigation which is very frustrating to me as Ive been trying so hard to build my credit. I find it unfair and frustrating that its dropped so much due to what I assume was someone trying to get a card in my name.
Product: Debt collection

I need to speak with someone to clear my debts because most of them are fraud
Product: Debt collection

I sent a certified letter on XX/XX/21 to ERC collection agency regarding an alleged debt I owe in the amount of {$320.00} from XXXX. The company has failed to validate the debt. In fact, there are two other collection agencies with this same debt that are trying to collect from me as well. They continue to send me letters, make harassing calls, and report to all three major bureaus. I am requesting your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report and noticed Capital One placed private information about an account I have with them on my consumer credit reports. Per 15 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : Capital One Account # XXXX ( COLLECTION/CHARGEOFF ) Secondly, according to 15 USC 1681 , the law states : Accuracy and fairness of credit reporting. The congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately. 

Capital One Account # XXXX ( COLLECTION/CHARGEOFF ) As the consumer, I did not give any written instructions to have this account reported on my consumer report. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made.