23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/2019 I called and made a payment of {$100.00} towards one of my promotion purchase of {$170.00}. The payment was divided towards other purchases that will expire after this purchase. On XX/XX/2019 I call service to speak with a supervisor and XXXX the customer service agent hung up on me when I call back I spoken to a gentleman by the name of XXXX, he stated that there's no supervisor around
Product: Credit reporting or other personal consumer reports

This is erroneous information that affects me. 

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

I recently checked my credit report and noticed some inaccurate accounts reported and hard inquiries that I am not aware of.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the
Product: Checking or savings account

Around XX/XX/XXXX, I sent a CFPB complaint against Bank of America. I had received a text message from Bank of America requesting that I send my debit card information to them. In XX/XX/XXXX, I opened a Bank of America checking account and received a debit card. The debit card was never activated and was kept in my safe. Bank of America responded to CFPB complaint XXXX, that on XX/XX/XXXX, the ATM debit card ending in XXXX was attempted to be used at XXXX XXXX  for {$0.00}. Bank of America did not release any additional information. The debit card could not have been used as it is still in my possession. This indicates that Bank of America has a data leak and/or someone within Bank of America used my information to illegally obtain the same ATM card. 

Around XX/XX/XXXX, Bank of America received a certified return-receipt letter from FTC Identity Theft case XXXX. To this date, Bank of America has yet to respond to the FTC requests in 1 ) providing all information about the non-activated debit card use and 2 ) close the account and issue a new account. 

Instead, I have decided to completely close the account with Bank of America. However, Bank of America does not allow for account closures online. Bank of America customer service representative also would not waive the {$12.00} service charge generated because I moved all funds from the compromised account and wanted to close the account prior to the charge date. A second letter dated XX/XX/XXXX, from the FTC is en route to Bank of America. In accordance with FTC recommendations, I want Bank of America to refund the incurred maintenance fees and completely close the account as I no longer wish to do business with Bank of America over their handling of this fraud and identity theft.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to XXXX and DISCOVER CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. 
The solution is to remover this fraudulent account from my report
Product: Vehicle loan or lease

In an attempt to purchase my leased Audi vehicle, I sent a certified check for over {$27000.00} along with the necessary documentation via XXXX First Class Mail and Fax per the instructions on the documentation to the cost of {$11.00} on XX/XX/2023. Per the successful transmission record from the fax machine, those documents were received same-day. Per the XXXX tracking information, delivery of the certified check and other documents occurred at Audi Financial Services ( XXXX ) office in XXXX, IL, on XX/XX/XXXX at XXXXXXXX XXXX. After hearing nothing regarding my request to purchase, I called XXXX on XX/XX/XXXX to inquire about status. I was told by the representative that they had everything they needed, and the documents and payment were recorded into their system on XX/XX/XXXX. Representative let me know that it usually takes about five ( 5 ) weeks to receive the title at my home address. On XX/XX/XXXX, I received a letter from XXXX at my home address stating that they did not have all of the necessary documentation to complete my request to purchase and can not proceed with the documents. On XX/XX/XXXX, I again called XXXX to inquire about the letter. The representative stated that they did not receive my faxed documents and the previous representative must be mistaken. I provided the date faxed and number from which they were sent, and the representative stated that she found them and they had just been sitting there un-entered. I requested that, since they had the documentation all along, and I was mislead for weeks at this point, if my title can be rushed and then sent via XXXX to my home instead. Representative said she got permission to do so. The following week, I received yet another letter at my home stating that documentation was incomplete. For the third time, I called XXXX on XX/XX/XXXX to ask yet again about the letter and to check that everything had been received. Representative confirmed and said to ignore the letter. She then stated that the title department is very backed up and there's no way to know when I'll get my title sent to me, but they would provide a XXXX tracking number once available. It has now been over six weeks since I mailed the $ XXXX check and all documentation to XXXX and the promised XXXX weeks since being entered into their system. I have reason to believe that they have lost the title to this vehicle and are having to file for a lost title and wait for it to arrive before they can sign off and send to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided to me by your agency. 
This dispute is being made under my rights outlined in the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy and fairness of the information contained in my credit file. 

The item ( s ) Account name XXXX XXXX XXXX Account number XXXX Account info " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX XXXX Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Under the FCRA ( 15 U.S.C. 16811 ), you are required to investigate my dispute within XXXX  days of receipt of this letter. If your investigation does not result in the removal or correction of this information, I request that you provide : XXXX. A detailed explanation of your investigation process. 
XXXX. Copies of any documentation you used to verify the information 's accuracy. 
If the information can not be verified, it must be removed from my credit file. 
Please notify me in writing when the investigation is completed and provide an updated copy of my credit report reflecting the corrected information. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. Please feel free to contact me at XXXX or XXXX if further clarification is needed.
Product: Debt collection

I Was unaware of this debt. I did not have a opportunity to dispute this information. If in fact you believe you give me proper notification. Please send me the certified mail receipt with my Signature. Also can you furnish the contact or agreement between you and i .With me Signature as well
Product: Credit reporting or other personal consumer reports

I requested Sallie Mae to delete all my accounts and informations including and not limited to : Phone number, Social Security Number, Email, Name, Last Name, Address. 

Think twice before doing any business with them.
Product: Debt collection

This company can not be reached via mail, their listed address is wrong. this debt was paid in XXXX.
Product: Payday loan, title loan, or personal loan

Received a loan XX/XX/XXXX in the amount of {$7500.00}. Had to do an electronic fund transfer payment method only. When the funds were not available for that amount, I was charged a fee from them and a {$29.00} fee with my bank. The would do an eft up to three times causing additonal fees with my bank. By the time the funds were available the overdraft fees incurred by them would consume my paycheck, leaving me unable to pay other bills. I have seen a FTC settlement due to these exact things happening to me. The FTC Case is XXXX filed XX/XX/XXXX. I defaulted on my loan and it was charged off XX/XX/XXXX. I am now being sued by XXXX XXXX XXXX, XXXX for the account. The case number is XXXX. I haven't heard from the FTC and now will be fighting a new company.
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 : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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 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

I have been requesting the permissible permission and copy of the credit report for XXXX XXXX XXXX XXXX XXXX # XXXX. The credit Reporting Agencies and XXXX XXXX XXXX XXXX claims it is in the mail after almost 4 years. The loan was fraudulent but XXXX XXXX XXXX XXXX denies. So, to prove their error, I have been requesting the permissible permission used to access my credit report to check me out before any permission, application, and contract. IT DOESNT EXIST AND THEY KNOW IT!. But XXXX XXXX XXXX XXXX labels every request and complaint as duplicate and after almost 4 years, I have yet to receive anything but copy of the auto contract and undated application. XXXX XXXX XXXX XXXX reports to The Credit Reporting Agencies verifying the account as correct and accurate. The XXXX XXXX Agencys role in the dispute process is to review the accuracy and completeness of any disputed item. How can valid when the permissible purpose and application doesnt exist? Both Credit Reporting Agencies and XXXX XXXX XXXX XXXX are masters of smoke and mirrors.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on XXXX, XXXX and Transunion, they were all in violation of these terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ( Experian ) These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Product: Credit card

This is a recurring issue previous complaints XXXX. Synchrony bank keeps adding late charges to my account, that they closed under the same excuse they complain that I put a stop payment on my XXXX XXXX account against Synchrony Bank, XXXX from synchrony bank called me a liar on the phone an didnt resolve my dispute of the fees, XXXX was not able to reverse the late fees, they keep saying they cant reverse the late fee, I called my bank and on a three way call XXXX XXXX told XXXX XXXX They dont have any records of stop payment to synchrony bank or XXXX account and if he needs further information he has to request an formal investigation in writing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, THIS ACCOUNT HAS NEVER BEEN LATE XXXX XXXX, Account number XXXX XXXX THIS XXXX NEVER BEEN LATE.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a collection account that appears on my credit report. I recently attempted to have this account removed because I had no prior knowledge of the charge, and furthermore, the account has exceeded the legally allowed reporting period under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that this collection account remains listed despite my efforts to dispute it with the credit reporting agencies. According to the FCRA, negative items such as collections should not remain on a credit report for more than seven years from the date of the first delinquency. Since this account has exceeded that timeframe, it should have been removed. I have contacted the credit bureaus and the collection agency in an attempt to resolve this issue, but I have not received a satisfactory response. As this collection account is both outdated and was unknown to me until recently, I am requesting the CFPB to assist in having it removed from my credit report in accordance with federal law. Please find enclosed copies of my credit report highlighting the disputed account, as well as any relevant correspondence regarding my dispute. I appreciate your prompt attention to this matter and
look forward to your response.

Thank you for your time and assistance.
Product: Debt collection

When I first moved out the apartment, went to court and all. They stated they could not put this on my credit due to the fact it was sealed and didn't owe. If I owed them anything they would have to sue me for any wages. When I moved out I have statements that I owed nothing. I have sent information to the Fair collections and out I have explained, sent documents. The other 2 bureaus have removed it. I have a letter stated they updated the amount to XXXX and yet they will not remove it from my credit. How can they continue to sell my information without my knowledge and post things on my credit without my permission. They will not listen to me at all. It's becoming harassment due to the fact they are messing up my name. I have been homeless for longer than a year. I can't get a place due to them lying on me. I have called, emailed and spoken to XXXX over and over. They are very rude and will not listen to anything that I have to say. They have updated it on paperwork but not in the system which is crazy to me. That's fraud in my eyes. They can mail me paperwork and state it's updated but not update it online. I have all my check stubs and letters from court and when I moved out. They were not supposed to post anything to my credit regarding my eviction and it's not even showing up as that and that's against the law. It's just showing up as a third party. I didn't give them permission to use my information. Court orders said when and if I owed them anything they would have to take me to court. That's not what they did. Why are my rights being taken from me and when I reach out, send information they do not reply. Fair collections and out are wrong and them charges are not true. I do not owe XXXX XXXX XXXX XXXX. I need it removed asap like I been telling them. with emails and calls. I have sent papers also and they do not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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
Product: Credit card or prepaid card

I applied for a basic credit card through Capital One. I was declined for among other things, no term debt, a credit score of only XXXX, it was XXXX two weeks prior. 

This is the second time that I have reached out to the CFPB to assist me, and I really didn't get a resolution with XXXX XXXX  ( CFPB Case # XXXX ), and now a denial from Capital One. I still need assistance with this case as well. I did reach out to Capital One by US Mail at their XXXX XXXX XXXX location, with a cover letter, a copy of my credit score from XX/XX/22, and only some of the pages from my XX/XX/22 credit report. 

It is true that I do not have any term debt currently, having paid off all of those obligations as agreed many years ago. 

Thank you for your assistance. 

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

All I am trying to do is unfreeze credit so I can let purchase rural internet service. They need to do credit check. Can not get to Experian by phone as when I enter information to prove identity, they say information isn't correct and it won't let me get to representative to fix issue. When I try and sign-in on line just more of the same. Says my XXXX XXXX  and birthday don't match, so once again I can't get into system. Have emailed XXXX  times now and keep getting back the same instructions on how to sign-in and reset password and username, but can't do any of that because I can't sign-in and it keeps telling me my personal information is wrong. Like I don't know my own birthday and XXXXXXXX XXXX. Can not get to human being by phone or online. XXXX XXXX XXXX  " Your Experian team '' says they can't make an outgoing call to me or give me a number to call them that bypasses their phone matrix. Experian is holding my credit XXXX and says their isn't anything they can do to help when the problem is obviously corrupted files on their end. I know my birthday and XXXX XXXX Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

1. *XXXX XXXX XXXX  XXXX XXXX XXXX Status : 90 Days Late - Balance : {$480.00} 2. XXXX XXXX XXXX Sales Contract** - Status : 120 Days Late - Balance : {$230.00} 3. XXXX XXXX XXXX XXXX - Status : 120 Days Late - Balance : {$450.00} 4. XXXX Installment Sales Contract** - Status : Collection/Chargeoff - Balance : {$0.00} 5. XXXX XXXX Charge Account** - Status : 120 Days Late - Balance : {$320.00} 6. **XXXX  XXXX  XXXX** - Status : Not Reported Collection/Chargeoff - Balance : {$220.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : - [ ] A copy of my credit report I received from your company. The fraudulent items are listed above. 
- [ ] Copies of my debt validation letters to XXXX, XXXX, and XXXX XXXX XXXX  - [ ] A copy of my Identity Theft Report and proof of my identity. 
- [ ] A copy of my Social security Card - [ ] A copy of my Police Report - [ ] A copy of XXXX  XXXX XXXX  account validation response - [ ] A copy of XXXX  account validation response - [ ] A copy of XXXX XXXX account validation letter from original creditor XXXX XXXX validation response - [ ] A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.