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

I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX CARD, account number ending in XXXX. 
On XXXX/XXXX/2024, I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 
Please consider this letter a formal complaint. I expect a response within XXXX  days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Comenity- XXXX XXXX On XX/XX/2019, I visited XXXX XXXX and felt pressured into purchasing an item. The store manager used the " this is a one-time offer only '' and the " think about what this means for your partner '' sale tactics but I was still unsure about the item and was not ready to purchase. So, the store manager used his " I hear what you're saying/I know how you feel '' tactic and convinced me to purchase the item while I had 60 days to decide if I wanted. The store manager offered to keep the item, clean it and hold it until I decided what I wanted to do. I opted for that option because I felt safe then that I would be able to cancel my order after I had thought about it. Soon after, a family emergency caused me to be out of the state for 6 weeks. During this time I called to cancel/return the item but though  the item was still at the store, I still had to be present to complete the order. I returned to home and visited the store within the 60-day time-frame to return the item anticipating no hassle. The store returned the item and credited my credit cards, one being a Comenity bank card I was persuaded to open at the time of purchase. Though the store convinced and assured me that I had 60 days to change my mind, no hassle or issues, they failed to mention that the credit card payment with interests and fees would be due within 30 days. So though the store kept the item the whole item and reassured me I had time to consider my purchase, the interests added up from Comenity Bank and they also included late fees. My bill is now {$100.00}. However, only {$28.00} in fees occurred during the time I actually own the time and this is the amount I believe is fair to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I went to follow up on a deferment that I had requested in XXXX of XXXX from Ford Credit on my account # XXXX because I had noticed that I was being assessed late fees for every month even though I had been paying my lease payment on time. I was informed that the deferment was never processed even though I had information specific to the deferral that would only have been obtained if they had processed it. As a result, they admitted fault by removing all the late fees, but it still meant that I was one payment behind which would have been deferred if they had processed it. As a result of them not processing the deferral, they falsely assessed me a 30 day late payment and reported this to my credit bureaus. Regardless, I made sure my payments were current and sent them a letter requesting that they remove the 30 day late payment from being reported from my credit bureaus because if they processed my deferral in the first place there wouldn't have been a 30 day late payment. They refuse to correct this and I am reporting them so that they can correct their error. If they do not correct this error through this process, I will be pursuing legal action for the falsely reported late payment.
Product: Mortgage

XXXX XXXX XXXX, XXXX XXXX XXXX tax assessor and Attorney XXXX XXXX fraudulently illegally shared Tips for Getting Started the National FBI game Forced by XXXX XXXX spends fair housing funds on XXXX plastic cups, XXXX pens, and XXXX keychains Illegally and fraudulently conspiring against awarded permanent citizenship with XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX XXXX aka XXXX XXXX XXXX by 2nd XXXX XXXX state of louisiana illegally locked Homeowners XXXX XXXX XXXX wife XXXX XXXX XXXX and Grandchild out of out of house On XX/XX/XXXX XXXX XXXX Sheriff 's Office and XXXX XXXX Constable along with XXXX XXXX XXXX and XXXX XXXX stated that they are the orders signed by XXXX XXXX XXXX deputy clerk of court and XXXX XXXX XXXX and judge XXXX XXXX XXXX to serve and give family 10min to get out of location XXXX XXXX XXXX XXXX Louisiana at XXXX XXXX on XX/XX/XXXX to illegally and fraudulently evict Homeowners XXXX XXXX XXXX And XXXX XXXX and grandchildren out on the streets of their own home by threaring to arrest and put grandchildren in foster care imposing a illegal tax evasion to discriminate against locking Homeowners out of their mail stop permanent residence registered mail delivery first class profiles and records transferred to United States Department of labor , XXXX XXXX Clerk of Court and juvenile intake Center, XXXX XXXX Family court and XXXX XXXX Sheriffs office fraudulently illegally withholding Unemployment status injuries Personal injury lawyers Law firm XXXX XXXX, scholarships, SMG Taxes Annual emergency final notification providers management services XXXX XXXX XXXX XXXX medical team Staffing wealth data breach on permanent payee payments profiles mail stop delivery address Homeowners update existing capital terminology, in particular to introduce the term 'Total Capital Requirement ' ( TCR ) to refer to the amount and quality of capital a firm must maintain to comply with the minimum capital requirements under the Capital Requirements Regulation ( 575/2013 ) ( CRR ) ( Pillar1 ) and the Pillar 2A capital of XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Wealth office mail stop delivery perment profiles address XXXX XXXX XXXX XXXX , louisiana XXXX family moved to safe storage unit # XXXX due to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX Equifax were all sent letters on XX/XX/2023 from me specifically asking that all old addresses improper collection information and information. I XXXX XXXX XXXX XXXX XXXX XXXX Id get some type of help and wouldnt be ignored please check into this because my next steps involves the law
Product: Credit card

I have been receiving credit card offers for my XXXX year old daughter. I called Capital One and asked them to please stop sending the applications several times. they continue to send the applications to my daugther.
Product: Credit reporting or other personal consumer reports

have not been able to get a updated credit report or score for 15 to 18 months, also my free subscription has also not updated and they only show my old credit score from over 15 months ago. I called them they said its nothing they can do. whats going on?
Product: Credit reporting or other personal consumer reports

MY AUTO LOAN WAS WITH SANTANDER YEARS AGO AND THEY REPORTED A DELINQUENT BALANCE ON MY CREDIT REPORT BUT THEN SOLD IT TO ANOTHER COMPANY THAT WAS TRYING TO COLLECT ON THE SAME ACCOUNT. UPON CONTACTING SANTANDER, I WAS TOLD THAT COMPANY HAD BOUGHT THE ACCOUNT & TO CONTACT THEM, SO I DID AS INSTRUCTED. I NEGOTIATED/ SETTLED THE ACCOUNT WITH THAT COMPANY. THEY INTURN DELETED THAT ACCOUNT FROM MY CREDIT BUT SANTANDER REFUSE TO DELETE/TAKE THIS ACCOUNT FROM MY CREDIT EVEN THOUGH IT WAS SOLD TO ANOTHER COMPANY AND PAID OFF.
Product: Credit reporting or other personal consumer reports

I contacted all 3 credit reporting agencies XXXX, XXXX, XXXX, and Bridgecrest ( the creditor ) multiple times int he last year, most recently the last 3 days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from Bridgecrest has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with Bridgecrest 's customer service department and charge-off department. Bridgecrest 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all three credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all 3 credit agencies several times each and they told me that Bridgecrest must be reporting it wrong and that is why it is not showing accurately as a charge off.

The account status remains " In repossession '' rather than " Charged off '' today, almost 2 years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX, XXXX XXXX, XXXX XXXX, XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX Addresses : The following addresses are incorrect and should be removed : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX The following address should be added : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, as documented in FTC Identity Theft Report # XXXX ( submitted XX/XX/XXXX ). Fraudulent accounts were opened in my name, including : XXXX XXXX # XXXX : Opened XX/XX/XXXX ( {$29000.00} debt ). 

Key Violations by Experian : Illegal Reinsertion : Experian reinserted XXXX XXXX # XXXX on XX/XX/XXXX and XX/XX/XXXX without : 5-day notice ( violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Valid certification from XXXX XXXX. 

Sham Investigations : Experian used automated systems ( XXXX  ) to " verify '' fraudulent accounts, ignoring FTC Report # XXXX ( violating CFPB Circular XXXX ). 

FCRA 605B Noncompliance : Failed to block identity theft accounts despite FTC report ( violating 15 U.S.C. 1681c-2 ). 

CFPB Precedent : In XXXX, the CFPB fined Experian $ XXXX for identical sham verifications. 

Impact : Credit Score Harm : XXXX dropped XXXX points due to fraudulent lates/charge-offs. 

Loan Denials : Rejected for mortgage and auto loans
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 XXXX 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

I am FILLING THIS COMPLAINT because the following inaccurate account and unauthorized inquiries information in my credit report. The items are listed below : XXXX XXXX XXXX XXXX -late closed with XXXX balance and has payment lates in History... Please update or else delete this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans-union , the consumer reporting agency HQ in XXXX and Illinois, AND XXXXXXXX XXXX  XXXX is intentionally violating the law and FCRA and credit laws of the US, by stating on my credit report that I am not paying my mortgage to XXXX XXXX !! Transunion illegally and unethically obtained my property information ( not mortgage payment ) and then DROPPED MY CREDIT XXXX SCORE BY OVER XXXX POINT FOR NO REASON!! I HAVE PAID MY MORTGAGE ON TIME FOR OVER TWO YEARS NOW AND THE BALANCE DECREASES BY OVER XXXX $ EACH MONTH! Instead, transunion makes it appear that I have paid NOTHING on my mortgage and keeps my XXXX credit score artificially low!! I'm a XXXX person and veteran and you are a dirty awful evil company that is preventing me obtaining any credit by your lies and falsehoods! Transunion perpetually lies on this complaint I file stating its " his ability to obtain his credit report! '' versus fixing my credit report and score! The second trust from florida hometown heros is NOT part of my mortgage and should NOT be reporting as a XXXX $ balance than my XXXX XXXX  mortgage! Stop lying transunion and report my balance accurately and raise my credit score and my mortgage balance decreasing XXXX $ every month!! I have reported Trans union to the Florida Attorney generals office!
Product: Credit card or prepaid card

I had a capital one card, I never missed a payment, never had late payments and never carried a balance. They placed a 26 day hold on my payments even though they confirmed on the phone with XXXX XXXX XXXX XXXX and trust that they received the funds, the kept randomly adjusting my available credit and it didnt reflect my my actual available amount.
Product: Money transfer, virtual currency, or money service

Binance.US has been pilfering customer funds via incorrect deposit instructions on their website. I have contacted them many times about this website error and my subsequent deposit that have not been credited. They have denied that the deposit instructions were faulty and refused to credit my funds, despite them being visible in my Binance.US wallet address, via the XXXX. The funds are not lost, nor are they in the wrong wallet, yet they simply refuse to acknowledge any mistake and refuse to give me credit for the deposit. 
Its has now been over a year since they stole my money. There has recently just been a single update in the matter : The Binance.US website deposit instructions error has been corrected. The exact same error that I had alerted them to, yet they refused to acknowledge, was fixed. So I proceeded to contact them yet again, and ask for my money, explaining the situation. Still, no acknowledgement or responsibility. I have plenty of screenshots of the site and conversations, before and after. I also have found other reports of this exact same issue from others on the internet. The way they responded gave me the impression that this was a very common occurrence and thus a very lucrative scheme of theirs. I am now hoping find an attorney who will take up this potential class action.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, Wisconsin XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX, WI, XXXX, XXXX XXXX XXXX, XXXX, WI, XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Was involved in a fraud scam regarding vacation rental property in XXXX XXXX. The property was found on XXXX  we secured and paid for the property during several conversations with the property owner via email. 
a few days before departure, We received an email from XXXX that unfortunately the property was a scam, but because we paid by wire transfer directly to the owner there was nothing they could do for us, the wire was for {$4100.00} going to the property owners account in XXXX XXXX on XX/XX/2023 was sent from regions bank XXXX XXXX locations by XXXX XXXX employee The property number on the XXXX XXXX was XXXX property owner was XXXX XXXX XXXX Short term rental agreement available if needed. 
terms of agreement available international wire transfer request and authorization also available
Product: Debt collection

They have {$1000.00} hold on our bank account XX/XX/XXXX and I can't afford that amount going out, I am married but separated and the only reason I am on this bank account is to make the mortgage and car payment for my husband because he is an XXXX XXXX XXXX XXXX XXXXXXXX  and he is only home one day a week. I have no income coming in myself, I have been fighting to get XXXX for 4 years now with no luck, I can Not work and my husband is only staying married to me so I can have medical insurance. I am XXXX years old and I clean his house and do his laundry and cook for him when he is home for room and board. But again I have no income in my name. I was making payments to the Dr. himself and he said I wasn't paying enough money so he turned me into collections, I didn't realize I had signed a contract with him because the day I signed the paper I was under duress from having to put my XXXX year old dog down that same day, I thought I was just signing the sign in  sheet. Also he tried to bill my insurance company twice for the same XXXX, once under the clinics name then again under his Dr. name. XXXX was XX/XX/1018.
Product: Debt collection

I dont know the exact date I called but I called the debt collection company gave them the case number that I keep receiving on emails and didnt tell them anything besides the case number and for them to send me a validation letter, I completely ignored everything else they asked me nor did I answer
Product: Debt collection

After a detailed review of my recent credit report, I noticed several accounts that seem incorrect and were added without my authorization.