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

Each month I have reported the discrepancies to each bureau about eh account of Hunter Warfield. The reporting dates are inaccurate on all 3. I never received a full report after requesting it. The amount and reporting of the account does not belong to me and I was never on the lease. After requesting original contract and asking for the dates to be confirmed it was never rectified. I never agreed to the credit bureaus reporting this account, I have no knowledge of this account and It continues to be unheard. 

In accordance with the Fair Credit Reporting act, Hunter Warfield account 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: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and Experian have refused to delete all items to unauthorized accounts due to XXXX XXXX breach. I have submitted a FTC and XXXX XXXX  report due to recently finding out that I was a victim of several data breaches, XXXX just being one of the most wide spread of affected. XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and Experian has deleted accounts and proceeded to verify accounts and debt parks unveried accounts on my credit report. These companies have harm me by violating and willingly have been non compliant of the 605b rule to delete all accounts in 4 days. They have not provided any information from the creditors about the description of method in which they verified their investigation. I know that there process is a systems of information in which just matches data. That is not a reasonable method to gather information. The law states that I have the right to have a accurate reinvestigation I have had 5 with the same results. This is my notice of lawsuit according to defamation of character with the willful negligence that has harm my emotional and financial well being. Enough is enough with the disregard for the laws that their company has agreed to abide by. I demand swift attention for I have dealt with the lack of regard for two years. All documents will be attached below.
Product: Checking or savings account

On Friday, XX/XX/year> I contacted Wells Fargo in regard to obtaining additional information on a transaction that I did not recognize, the clerk WITHOUT my consent shut down my account and I did not find out about this until later into the evening when i went to purchase groceries and the card did not work. 

I contacted Wells Fargo at which point they advised they turned off the card for fradulent activity. I did not report fraud but was seeking additional information. After repeated attempts, i live in MA and the nearest Wells Fargo branch is 2 states away. I have held this account for over 21 years, they refused to overnight a replacement ATM/debit card and just mailed it yesterday?? My paycheck is directly deposited and now my paycheck has to clear a clearing house before the monies are deposited into my account??? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Ally and they told me I was in good standing with them. So I am not sure why this is affecting my credit score. As you can see on my credit report I having been making all my payments on time. I am in process of wanting to use my credit and with this on my report it will affect me being able to get a good rate. Ally told me it should not be on there. 

In accordance with the fair credit reporting act Ally Inc has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus XXXX, Equifax, and XXXX are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g! 

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT Metro 2 complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXX American I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XX/XX/XXXX PA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We have a Marriott credit card through Chase. We receive monthly paper statements and want to continue receiving monthly paper statements. Frequency when signing into their website to review transactions they try to change our preference for paper statements. They default to e-statements and ask us to confirm. This is misleading and deceptive. They change our preference to e-statements and ask us to confirm. The default should be left at paper statements. It is misleading to confirm their choice not ours. This is a systemic issue and they shouldnt be allowed to change customer choices. Please force them to be more customer friendly and less deceptive.
Product: Debt collection

Black rock Legal Group sent a letter saying I defaulted on a payday loan ... .threatening legal action, law suit in civil court, reporting to the credit bureaus and " will be aggressively enforced '' wage garnishment, lein against personal property, will contact my family members, say I committed fraud. I do not know what they are talking about. Giving me 7 days to pay {$2200.00} I have no idea what this is.
Product: Debt collection

The inconvenience that I'm having with CMRE is that I have a medical bill that they're collecting on, thing that I didn't knew it was that I still owed that when I thought that everything was already paid since I had paid other medical bills, The problem is that time later I check my credit report and there is a medical bill from them and I never got a notice or warning at all and then I call CMRE with the intention to pay to get it removed out of my credit report but they refused to because apparently they do not remove or request deletion to the credit bureaus once they get their accounts paid, but I explained the situation very clearly that I never got any notice of this bill ( literally how do they expect me to pay them something I didn't even knew I owe before it was placed into collections! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed are fraudulent someone use my social security number and photo id to open these fraudulent accounts in my name i have made criminal complaints with local and federal agencies I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

The company advertises 5 % cashback on ground transportation, if selected ( as i have ). Yet it does not consider short term rentals of electric scooters ( nor short term contracts for use of such scooters ) as ground transportation. This is after I have corrected the mislabelling by US Bank multiple times. However, I still only receive 5 % cashback on things like rental cars, ubers, etc. that are clearly ground transportation, but not scooter rentals ( which are also clearly ground transportation, as they do not soar through the air nor sway through the waterways ). 

Please tell them to fix this. 

This is for the US Bank XXXX XXXX XXXX.
Product: Debt collection

Lvnv funding llc {$1000.00} Account not mine Victim of fraud Please remove from my credit report
Product: Credit reporting or other personal consumer reports

I can not accept the presence of public records on my credit report. It is causing XXXX XXXX and distress, and I implore you to remove them without delay.
Product: Student loan

My school XXXX COLLEGE ( XXXX VA ) closed in XXXX, I have a withdraw date of XXXX I never completed the program it has been impossible for me to obtain any information from the school and I should have had my loan automatically discharged and it was not, I enrolled in XXXX and was completely unaware I still had this loan or that it has defaulted. My entire federal tax refund was offset due to this and has caused me and my XXXX children EXTREME HARDSHIP, I am facing EVICTION and losing my car. I have applied for borrowers defense due to school closer and requested IMMEDIATE return of offset due to extreme hardship. After providing all forms and documentation requested of me I am being told it could take up to 65 days to maybe get my money back. The HUGE problem with this is that I WOULD HAVE ALREADY BEEN EVICTED. The loan service is terrible! they have lost documents I have sent directly to them and the reps seem to have no idea what they are doing, I get different information every time i have called. If it had not been for me calling daily I would have missed the deadlines given due to their negligence. IT IS VERY CLEAR THIS DEBT IS NOT ENFORCEABLE.
Product: Vehicle loan or lease

I hereby notify you of my intent to initiate arbitration using the applicable clause in our agreement. Upon reviewing my account statement, I have identified significant discrepancies, including : Payments were reported as late ( XXXX, XXXX ) in multiple months, even though some were made on time. 
Additional charges for repossession/collection fees ( " Repo/Collection Fees '' ) that I consider improper. 
Potential errors in balance management and an extension of terms that I did not authorize. 
I have attempted to resolve these discrepancies informally without success. I request that my record be updated to reflect no late payments within XXXX  days. If I do not receive confirmation of these corrections within that time frame, I will proceed with filing a formal arbitration. 

I look forward to your prompt response to resolve this matter fairly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My Capital One credit card ( XXXX ) was maliciously accessed by a third party and fraudulent payments were made without me being aware. All of my accounts, including this Capital One credit card have always been paid on time with ZERO lates up until the fraud occurred. Sometime on XXXX 2017, I received a notification from my credit monitoring system that one account is reporting a 30 day late. After further investigation, I found out the account in question was a Capital One credit card ( XXXX ). The fraudulent payments led to my account closure by Capital One. I contacted Capital One at least 7 to 8 times and each time I was given conflicting statements. Some representatives claim a request was put in with the bureaus to get the 30-day late mark removed and some others say it 's not possible to get it removed. 6 months later, it is still showing a 30 day late due to fraud. I submitted disputes with all 3 bureaus to non-avail. Please find a police report attached and kindly remove the 30-day late mark from my report. I was not the one that initiated the fraudulent payments. I corrected the situation as soon as I could and the account is now paid off in full. I appreciate your help and cooperation in this matter. I have been a loyal Capital One customer since I was XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXXXXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across XXXX bureaus Experian, XXXX and XXXX. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit XXXX 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.
Product: Checking or savings account

My business account, XXXX XXXX XXXX. account that has been closed due to a flag for fraud. I would like to know where the funds have gone. I do not understand why I am not being told any information on my business account. The account was opened XXXXXXXX XXXX XXXXXXXX and put on hold in XXXXXXXX XXXX XXXXXXXX without any communication as to why. Capital One made requests for documents and I sent all documents requested, but no resolution or communication whatsoever. Only to find out that the account was closed XXXXXXXX XXXX XXXXXXXX. I've called multiple times regarding the issue. I've called the phone numbers XXXX, XXXX and XXXX. I have been told by Capital One representatives that the funds have been " sent back to the issuer, '' which would be XXXXXXXX XXXX they do not know what is happening, to wait XXXX days business and etc. I have had two representatives reach out to me ( XXXXXXXX XXXX XXXXXXXX ) after I emailed XXXX and XXXX, but they have either not responded to my request of when and where my funds will be returned to me. I do not wish to continue the business relationship I just ask to have my business funds returned to me asap. It has almost been a year and I am sick of the excuses by Capital One. I highly advise small business owners not to engage in business with Capital One Bank because there is no transparency in their process and will leave you stranded without your funds for extended amounts of time.
Product: Credit reporting or other personal consumer reports

I have made uncountable complaints with XXXX XXXX  XXXX XXXX, filed disputes with credit reporting agencies, and to no avail have anything been corrected. I have provided documentation and still no proper investigation or correction to all major credit reporting agencies. XXXXXXXX XXXX  XXXX XXXX explained how my account was reported in error as being 60 days late, and the payment for XXXX is not due yet, and it is reported as late 30 days too. I am really disappointed with the lack of assistance and XXXXXXXX XXXXk taking accountability for their errors in reporting my account late 60 days. I have never been over XXXX days late since the account was open. This problem didnt occur until my account was transferred to this company and they are refusing to update reports with all credit reporting agencies and the credit reporting agencies are not investigating as should be to request proper data to validate the false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Recovery continues to furnish information 12 negative accounts on credit file. According to FCRA anything that permits as a liability will be a HIPPA Violation.
Product: Checking or savings account

On XX/XX/2022 I received an invitation from Ally Bank to receive a 1 % cash bonus ( up to {$500.00} ) for the deposit for new funds into my Ally Bank Savings Account. I enrolled in the bonus program, received confirmation of enrollment, transfered {$50000.00} to the account, and complied with all conditions listed for the bonus program. However, the promised bonus of {$500.00} has not been paid until now. 

I contacted Ally customer service several times. They provided a reference number, promised to look into the issue but after several months have neither paid the promised bonus nor provied a substantive answer.
Product: Credit reporting or other personal consumer reports

-- - To Whom It May Concern, I am filing a complaint regarding unauthorized reporting of my personal and financial information to credit bureaus without my consent. I recently reviewed my credit report and found that nine accounts were reported without my authorization. This is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, which limits the sharing of consumer credit information to permissible purposes. 

I have already disputed this matter directly with [ XXXX/Equifax/XXXX ] on [ date ] but have not received a satisfactory resolution. I am requesting the following actions : 1. Proof of my authorization for these accounts to be reported.

2. Immediate removal of any accounts that can not be verified as authorized.

it further?

3. I didn't give them permission to share my information. My transactions of experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that the inquiry below be removed immediately.

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

I have contacted Santander trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Kindly act swiftly to remove the fraudulent inquiries from my credit report. They were not authorized by me and are causing me a great deal of XXXX.