23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have submitted my paid in full letter from XXXX XXXX and yet each credit reporting agency refuses to change the balance due. They are purposely hindering my credit in what I can only assume is a targeted attack on my person and my ability to provide housing for my family. They have provided zero reasoning into why they refuse to make the change.
Product: Vehicle loan or lease

I had a lease with USBank. It has been one of the worst banking experiences I 've ever had. Their autopay feature never worked, though I tried to set it up multiple times. In addition, every month their web site account summary showed a different amount due ( typically {$0.00} ) than their PDF monthly statement. I never knew how much I actually owed. They often charged late fees even though their web site account summary and payment page said {$0.00} was due. 

All of this is just context for how my 39 month lease experience went. My specific complaint at this point in time is the charge I received on XXXX XXXX, 2018 for Excess Wear & Tear after returning the car. The car had only normal wear and tear -- no accidents, no serious dents, and it was garage kept in the winter. In addition, it was well under mileage -- the lease included a total of XXXX miles, but the car was returned with under XXXX miles. 

Still, after all of this, they 've billed me for an Excess Wear & Tear fee of {$190.00} ( plus {$12.00} in tax ). This does not seem right.
Product: Debt collection

I receive multiple calls per day to my office work phone with voice messages and they are now calling from local XXXX numbers leaving an XXXX to call back. I answered the phone and asked for them to stop calling me at work and to send everything by mail. When I moved, I submitted a change of address with the United States Postal Service and I have yet to receive anything in writing but still receive at least 5 or more calls a week on my office phone and sometimes even on the weekend or after work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrong letters and contacted both XXXX credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been 28 hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Authorized user JCPenny should not be reporting on my consumer report Remove asap XXXX  XXXX XXXX is reporting inaccurate late payments and should be updated as paid as agreed as soon as you receive this message. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.

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

I recently noticed an unrecognized credit inquiry from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, dated XX/XX/year>. According to our settlement agreement, all such inquiries were to be removed, and I would like this removed and this matter addressed promptly to ensure my credit report is accurate.
Product: Debt collection

Phone number XXXX called multiple times and called family because of alleged debt. They were unable to tell me the original debtor, said it was HSBC, but there were many companies under that label. I was told that mail was sent to an address that I haven't lived at since XXXX. I was told that I made payments until XXXX-I most certainly did not. I asked repeatedly for written documentation of the debt and I would be happy to settle the debt. My request was refused. I asked why it has been all these years and it's just now becoming an issue. I was told that it was the collector 's fault and the original creditor decided to pursue the matter, BUT they could not tell me who the original creditor was. I was told it was a Mastercard, I was told it was a Visa, I was told it was opened in XXXX, I was told it was opened prior to XXXX, I was told that it would be submitted to XXXX county, when I asked why it would be submitted to XXXX county, since the address in question was not in XXXX county, I was told it was a mistake, that it would be sent to XXXX county where the account was opened. All I asked for was a written document of the debt and was denied. This was either illegitimate or they were just being difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 unknown chargeoffs being reported negatively to my credit report. I dont know this lender account. They continue to report and damage my credit.
Product: Credit reporting or other personal consumer reports

I AM NOT RESPONSIBLE FOR THE DEBT ASSOCIATED WITH THE ORIGINAL CREDITOR XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH RELIANT CAPITAL SOLUTIONS LLC, AND WHEN I REQUESTED THE ORIGINAL CONTRACT, THEY FAILED TO PROVIDE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for XXXX XXXX XXXX  I have had success with XXXX, but both Transunion and XXXX are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. XXXX has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. Transunion has a dispute center on their website which does not work. After calling Transunion, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed Human Trafficking record in the US MAIL and send it to a po box and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of human trafficking. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. XXXX has removed the Public Record of the Bankruptcy I was forced into by my abuser and the student loans I was forced to take by my abusers. I can not get the other bureaus ( Transunion and XXXX ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of trafficking, by using, for example, confirmation questions a victim of trafficking could easily answer to prove their identity and other non-documentary means.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Fraudulent Accounts Under FCRA XXXX Dear Dispute Resolution Department, I am writing to formally dispute several fraudulent accounts that appear on my credit reports with both Equifax and XXXX. As a victim of the Equifax data breach, I have suffered identity theft, which has resulted in these unauthorized accounts being opened in my name. These accounts are not mine, and I have never authorized their creation. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. 1681c-2 ), I am entitled to have these fraudulent accounts blocked from my credit reports. Specifically, this section mandates that credit reporting agencies must block the reporting of information resulting from identity theft upon receipt of appropriate documentation. 

Enclosed, I have included : XXXX. A copy of my FTC Identity Theft Report and affidavit. 


XXXX. A copy of my government-issued photo ID. 


XXXX. A copy of a recent utility bill or another document confirming my current address. 


XXXX. A detailed list of the fraudulent accounts that need to be removed. 



The fraudulent accounts I am disputing are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA XXXX, you are required to take the following steps : XXXX. XXXX the reporting of the fraudulent accounts listed above within XXXX ( XXXX ) business days of receiving this letter and the enclosed documentation. 


XXXX. Refrain from re-inserting these items into my credit reports unless you provide me with certified proof of their legitimacy. 



I trust that both Equifax and XXXX will act swiftly to resolve this matter and uphold my rights under federal law. I request written confirmation from each bureau that the disputed accounts have been removed and blocked from my credit reports. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX : FTC Identity Theft Report and Affidavit Copy of Government-Issued ID Proof of Address List of Fraudulent Accounts
Product: Checking or savings account

My direct deposit from my employer for {$1900.00} was expected to be posted XX/XX/XXXX, I was told on this day they were working on it. As of today, XX/XX/XXXX, I still have no access to these funds. I confirmed with my employer that the direct deposit was, indeed, sent to Capital One and they have yet to post them. Now its a holiday weekend and as a single mom I dont have access to MY money I need for groceries and diapers. I wait 2 weeks for each paycheck and get no child support. I work hard for my money and Capital One doesnt even seem to care.
Product: Checking or savings account

Ive been trying to get ahold of Capital One agents for the past 2 hours today XX/XX/year>2025. 

I spoke to a representative yesterday XX/XX/year>2025 who stated the reason for no deposit being made on my account for XX/XX/year>2025 is due to outage however payments i make for my credit card go through but no deposit is being made to my checking account. I shouldve received my deposit on XX/XX/year>2025. I emailed their HR because its the ONLY email that i can access to direct me to a department who may assist me however they stated they could not help and provided me the wrong number ( number for credit card unrelated to checking ). This is very frustrating as they dont even know when it will be resolved and they havent even stated about proving compensation for this issue. I fear that im going to be charged for late payments on things i need to pay for due to the delay of my deposit. No one is helping on this situation or providing any helpful assistance.
Product: Debt collection

This company have send collection to my credit report not once but the same account three times as  well as others collections by BULLCITY FINANCIAL SOL send I am not liable for collection of debt from BULLCITY FINANCIAL SOL. I am not responsible for this debt. I have sent disputes to the credit bureaus with no resolve.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX  have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with XXXX  TransUnion and XXXX  asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact XXXX   directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on TransUnion is {$15000.00} whereas on XXXX  it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but XXXX   reports {$9000.00} XXXX  also reports {$9000.00} and TransUnion reports {$9000.00}. The date of item removal on TransUnion is XX/XX/XXXX whereas on XXXX  it is XX/XX/XXXX. The most outrageous and disgusting thing is that XXXX  has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act ( FCRA ) and hurt consumers as they wish.
Product: Debt collection

1.I have never had an account with this company Portfolio Recovery Associates , LLC XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Portfolio Recovery Associates , LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

This collection of {$160.00} does not belong to me, it has been effecting my credit since the date showing on XXXX XXXX. I have not used this service I am being billed for, this account needs to be removed from my credit history and credit score. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive anything from this company stating a debt was owed. 

Online Collection Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with XXXX  and was told in a letter that the account was updated but it was not removed from my credit report
Product: Credit reporting or other personal consumer reports

Transunion Subject : Dispute of Inaccurate Information in My Credit Report. 
In XXXX XXXX, the statute of limitations for debt is three years from the last activity on the account. This means that creditors have three years from the last payment to file a lawsuit to collect or report the debt. 

TransUnion : Date XX/XX/XXXX TransUnion : High credit reporting {$5400.00} TransUnion : Credit limit reporting {$4500.00} Date Last Active reported as XX/XX/XXXX Date last payment reported as XX/XX/XXXX Discrepancies in comments ( e.g., " Charged off as bad debt ). 

XXXX XXXX this debt is being reported as a charge off. However this is actually considered income because I should have received a 1099C form in the mail in order to account for this as income however it is being reported as a charge off I am requesting that this is removed because this is not debit this is considered income and should not be reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate.