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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate. 
No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have 5 accounts with Cap One. Two credit cards, personal and business, checking, money market and a {$100000.00} CD. I have been a customer over 10 years. I have put over a million dollars through your bank without so much as one late payment. Recently my business credit card was suspended without any notice. When I called to find out what the issue was it took hours on the phone and numerous times being accidentally disconnected and transferred from person to person. Finally I got an explanation that somewhere, somehow, it was determined that my business was an LLC and not a sole proprietorship as it had been when the card was opened. My business has always been an XXXX and was transferred to an XXXX XXXX several years ago. For this reason my entire business has been disrupted. All orders I need to make I can not make. I am providing produce, fruit, vegetables to the community for free as well as fulfilling my daily fruit orders. All my vendors and corporate fulfillment companies have this credit card on file as it's the only one I have for corporate spending. Your bank has created an immediate halt on my company and my ability to make orders. 
I was instructed to re-apply for a new card. I reviewed what you offer and now I see that all the cards have changed and the interest rates are 12-16 % higher than the card Ive had for over a decade. My points were confiscated as well. Luckily I had transferred most jut a week or so earlier. 

Additionally, in the past 3 months I have twice had Cap One add users to my card even though I have 2 levels of security on my cards and an an alert that says that there are never to be new users to my account. Most recently 4 new users were added and cards mailed to the XXXX. Fortunately I was able to stop the cards before they were used. I was lucky to have checked spam mail that day to find the emails from Cap One letting me know the users had been added. When I called in to ask why this had been done again with all the security I had in place, the answer was we do not know. It says clearly that no new users were allowed. That's the answer I got. 
All in all Cap One has created a nightmare for me and for someone who has 5 accounts and been a member for decades the treatment and lack of caring for the mess is unbelievable. Now I have moved all the money from the money market, and checking. Today I find that there are fraudulent charges on my personal card so that I can not cancel yet. 

On a last note, by deleting the $ XXXX credit line on my business card you will substantially decrease my credit score. 

I would like to speak with someone of authority in the corporate office as soon as possible to see if there is any way to rectify this complete nightmare. I do not have time nor can I wait 2 weeks to open and receive a new corporate credit card. I will also look into what governing body I can send my complaint to about your bank. 

XXXX XXXX XXXX
Product: Debt collection

I am writing this letter to make note of a separate, yet more concerning violation of my consumer rights than the one I submitted earlier today. 

Another violation crossed yet again by " National Recovery Agency, '' which is beginning to make me question not only their motives and illegal practices with me, but also prey on the many other innocent, hard-working, law-abiding, honest, American 's who's only crime is being too busy to spend the time that I sure as heck don't have right now in putting an end to these phantom-like bullies who appear from nowhere until you're checking your credit report as usual to having a million questions with very few places to seek valid information in hopes not to walk into another scam from fraudsters like them...

This next deceitful trick from NRA is one they've only made known to me, and not the bureaus this time. The " supposed debt '' they shared with the bureas was {$1700.00}, but when I called to inquire, I was told to pay a higher amount of {$1800.00}, which was also shown in an email sent to me " per my request, '' which mysteriously ended up in my spam folder which only makes up about 1/100 the emails sent to me, as if it had been sent in a way to be flagged to stay under the radar to buy them more time which again, is not something I have ever had much time for until it's kept me up all night missing work, and now doing it all has literally made me ill... 

One other deceitful scheme that I'll mention to spare us all from another letter and to expidite the process in ultimately removing this invalid " debt '' as well as this crooked collections company from any further damages to me than they've done already is to state that just after reading the cheap response to my first letter, they updated and verified the bureaus in only an address update. Nothing else they stated they would do was reflected to the bureaus, and hidden very well in one bureaus updated report was that I agreed to pay the amount of {$1700.00} withing 1 month!!! I can't make this up!!! I never once stated, wrote, or typed any such accusations, and what would they do next if I didn't fulfill the promise they made on my behalf???

This has gotten entirely out of hand, and it needs to stop here and now. If my docter tells me that all of this sickness I'm starting to endure is due to the countless research and costly measures I've taken to make the 3 bureaus, CFPB, etc. aware of what companies like NRA are doing to me and others, then I won't be sending anymore letters. I've done all a common working man can do. It'll need to come from someone, because I can't live this way...
Product: Debt collection

I recently reviewed my credit profile through a credit monitoring agency. I noticed a derogatory item from the company. I never received any communication from this company. I never received information regarding validation of this alleged debt. I never received information that this company can legally collect debt in my state. The company has continued to add fees, making the alleged debt 's amount to increase. This derogatory item on my credit profile is affecting my good name. I take my reputation seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a CFPB report a couple of months ago about Lexisnexis violating mhy privacy i feel like my patience its been taking advantage of my request was ignored i feel like i am being taking as a joke. I am well aware of my rights as a federally protected consumer and before i am trying to get the issue resolved outside of the courts but if i continue to be ignored i will have my FCRA lawyer file a suit. As a federally protected consumer i have a right to privacy i never gave you written consent to furnish any report on my behalf no consent is identity theft that is a serious crime i want the bankruptcy removed from all my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

someone from Equifax called me to resolve an identity fraud issue. Said he needed my social security number. I said he does not need this -- he has my number already. 
I gave him the last 4 digits -- he said he needed the entire number. Not sure of what to do I gave it to him, and then said I would record this call as he was recording my call. 
He said I did not have his permission, and hung up. 
The number that called me was XXXX XXXX. I do not know if this is an actual Equifax number, but I do not feel that the person should have hung up abruptly. 
It was they who created the identity theft/fraud problem. If this is Equifax who called they should at least reference the reason the complaint. 
They called today XXXX XXXX, XXXX at approx. XXXX pm
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank N.A. did a hard inquiry without my permission. Their authorization request to obtain my credit report did n't say that they will do a Hard Inquiry. Furthermore, the authorization to obtain a credit report is written in very small letters at the end of the page, making it hard to notice. To sum up, there was no approval for the hard inquiry, and Citibank N.A. did it without my permission. Even if I authorized them to obtain my credit report, I did n't authorize a hard inquiry! 
This is why I am asking the dispute of the hard inquiry from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and XXXX which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the Experian report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my Experian report and a copy of XXXX and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
EXPERIAN : XXXX XXXX XXXX XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX  # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX  # XXXX {$4200.00} XXXX XXXX  # XXXX {$9400.00} XXXX/XXXX # XXXX {$6900.00} US DEPT OF EDXXXX # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00} XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX XXXX XXXX # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$4200.00} XXXX CARD # XXXX {$9400.00} XXXX/XXXX  # XXXX {$6900.00} US DEPT OF EDUCATIO # XXXX {$1000.00} US DEPT OF ECUATIO # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a identity theft complaint, including the report number, an some of the accounts were deleted, but there were some that came back verified, but I have not recieved any evidence of the verification or who verified these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is the account that has inaccurate information they put a repossession on my account and my car was never repossessed and the said my account was closed and it was never closed this caused my credit score to drop XXXX points over all my credit dropped XXXX points and I have disputed these facts with XXXX XXXX XXXX and Experian and they got information from XXXX XXXX XXXX that it was incorrect and they have not fixed the issue they only said they noted my account but my credit has not been restored from the loss it took due to the incorrect information that was reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update inXX/XX/XXXX. In those complaints I informed XXXX, XXXX and TransUnion of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX XXXX XXXX  Mi. XXXX  '' was incorrect and it has been removed. But XXXX XXXX XXXX Address continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deducted points off my report, because of a dispute that was granted, every time I win a dispute because they have so many inaccuracies on my credit report they will go in and take away substantial amounts of points, I just won a dispute on XX/XX/XXXX and on XX/XX/XXXX they went in and took 58 points away for no reason and the time before that they took away 88 points because Inwon a  dispute, please have then restore my points, it is against the law for transunion to continue to deduct points away from consumers just because they win a dispute.
Product: Credit reporting

I have asked that a Federal tax lien be removed because it has been released. The tax lien was filed XXXX and released XXXX. I informed the representative and the supervisor according to FRCA a tax lien that has been paid or released must be removed 7 years from the file date and not the release date. I was informed that tey would not remove the lien for 10 years and they did not care who I called or if I hired an attorney because according to the information they have from the FCRA a tax lien is held 10 years and once paid 7 years from the release date and not the file date. All other credit reporting agencies have removed this tax lien and agreed that the time limit is 7 years. Equifax has caused me loss and denial of credit because they refuse to remove this out dated tax lien.
Product: Credit card or prepaid card

This issue involves my request to have my replacement card XXXX MAILED to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2021, Captial One emailed me document links that I could not open after repeated attempts. Capital One requested copy of " Personal Indentication. '' For intregrity reasons, _Capital One - Deceptive Business Practices, Failure to Disclose Specific Information_I requested my Ohio Senator XXXX XXXX Office to forward the front and back of my U.S. Passport Card.

Capital One responded in a response to my Senator that Capial One could not accept my U.S. Government Issued Passport Card. Capital One NOT once specified what documents were acceptable.

Furthermore, Capital One has insulted my integrity. I have faithfully paid and kept my credit card account in good standing and I do NOT engage in any criminal and or corruptive activites in any shape, fashion or form. Capital One insulting of my integrity is NOT appreciated. 

It is NO wonder why in XX/XX/2021, Capital One was charged for willful and Negligent Violation of Bank Secrecy Act. Ordered to pay {$390.00} million in fines. Capital One is not worth my patronage. Capital One is Deplorable!!! 
On XXXX XXXX, I phoned Captial One and explained that I was overseas and offered my telephone number, but representative XXXX said NO Capital One would not call me overseas.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 

XXXX XXXX, {$2700.00}, mailed to dispute offset report due to paid balance, company emailed me stating it was received a letter by me but dont know if its me. 

XX/XX/XXXX, {$14000.00}, mailed to dispute offset report due to paid balance, company emailed me stating it was received a letter by me but dont know if its me. 

XX/XX/XXXX, XXXX, {$2400.00}, mailed to dispute offset report due to paid balance, company emailed me stating it was received a letter by me but dont know if its me. 

XX/XX/XXXX, XXXX XXXX XXXX XXXX, mailed to dispute offset report due to paid balance, company emailed me stating it was received a letter by me but dont know if its me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XX/XX/XXXX Dear Equifax XXXX and XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete information to my consumer report According to 15 U.S. Code 1681, all information that is reported to my consumer report has to be accurate and timely. The items that I have listed below do not belong to me and I am requesting them to be removed. 
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 ] I had nothing to do with these accounts I did not authorize any of them sometime ago, I end up losing my Social Security card and I believe I am a victim of identity theft Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Santander USA account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account XXXX just sends back a notation that the account has been updated. And trying to reach a human being at XXXX is impossible. Their automated telephone service constantly malfunctions and hangs up. 

They are currently showing the account as 180 dayspast due because XXXX   infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XXXX, which gives them a new 7 years to report it. 

How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to XXXX after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life! 

After repossessing the car in XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them. 

I learned Santander is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX used paypal to pay for items i bought on XXXX It was taking a super long time for some of the items to arrive and I started tracking some of them. Most when I tracked them had never left XXXX. Paypal is stating I disputed transactions, what I did was asked for there help in getting my items I paid for. They tracked a couple that said landed in us but no tracking beyond that and I never got the items I addressed to paypal. I did do a few charge backs but not nearly 50 % of them did I do that. Paypal never said anything about my account to my bank nothing. No notice of action nothing. I was not alone in the mail issues and XXXX  that point in time. Alot of people were having the very same issue. When you allow sellers to tell XXXXy there based in XXXX and are not and dont even have tracking to show delivery whos fault is this really???