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

On XX/XX/2021 I called in to Continental Finance Company regarding an annual fee, was in seek of a potential waiver or reduction. I explained to the representative that I would potentially consider closing my account because I dont use the card often. We had a discussion and he explained he was unable to grant a fee waiver. I ended the call. I never gave him authorization to close my account but I believe he did so out of retaliation because I hung up the phone. I mentioned I considered closing my account but did not state affirmatively that I wanted the account closed. I called back and spoke with a manager who reopened the account and escalated my complaint but I wanted to take it a step further because this rogue employee has negatively impacted my credit by lowering my available credit and now triggering a new account on my credit report when its actually aged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a payday loan from XXXX XXXX XXXX  in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX  for unfair practices and the item removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report showing Best Buy account as delinquent. Account is PIF {$1200.00}. This is FTC Violation.
Product: Credit reporting or other personal consumer reports

Im writing this complaint today about Transunoin, I sent out letters on XX/XX/24 and XX/XX/24 for them to verify an account with XXXX, I requested a few things from them like how was the account verified and who they spoke with to verify this account because it is inaccurately reporting on my credit. Even after 2 investigations the account is still inaccurate. I want this account removed from my report because Transunoin is in violation please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to unfreeze an Experian credit report the company now forces consumers to create an account with the company instead of simply using the pin as before. This forces the consumer to agree to their XXXX  and subjects consumers to further marketing of it's products. They do offer a number to call for account services but it is nearly impossible to use due to technical glitches and the refusal to offer customer service agents help in correcting any issues or simply to say temporarily lift a freeze. I believe this " glitch '' is on purpose in order to force consumers to create ( even more ) accounts that they shouldn't need in order to simply remove a freeze. We froze our accounts after the XXXX data breach and now have to spend extra time dealing with these companies to who we NEVER gave permission to use our social security and other personal information about us. 
Regards, XXXX
Product: Mortgage

Using Veterans United Home Loans for a VA loan on a home .... First I was 'required ' to provide a telework agreement because I work in a different zip code from the home I'm purchasing. I was told they don't normally disclose it to buyers that if I don't have a telework agreement then they add the mileage to my debt-to-income ratio and re-run my qualifications. Once I told them it would take 10-20 business days to get the telework agreement completed they CHANGED THE REQUIREMENT to only having to write a letter of explanation. I requested to get their supporting guidelines/ policies/ regulations in written form. They refused to provide them. 
I informed them that they are acting in Bad Faith by not disclosing these " requirements '' and the reasons for them. 
Since this was not initially disclosed to me there is nothing showing that I acknowledged this requirement BEFORE entering into contract with them. I researched the VA 's guidelines and found that this is a recommendation but that the VA does not define the " reasonable proximity ''. It is up to the lender and usually only done when the buyers debt-to-income ration is above 40 %. 
I've since been given a DIFFERENT reason for needing the documentation - because I mentioned that I would be teleworking ( albeit not 100 % ). 
Since this in NOT normally DISCLOSED TO THE borrower there is potentially thousands of other borrowers who were deceived and possibly even denied loans or charged higher interest rates due to whatever guideline or policy is being used to enforce this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting incorrect information like address, score, inquiries and other important details.
Product: Credit card or prepaid card

XXXX mailed me a form that said I was pre-selected for their Arrival+ card. I would earn XXXX bonus miles after spending {$3000.00} in the first 90 days. Apparently, their pre-selection process is not very good because they eventually sent me a letter requesting additional information. I had to call them to find out what. Annoying. So the person on the phone informs me that they need photocopies of my driver 's license and Social Security card and a bank statement with my address. //////////////////////// The person also informs me that the XXXX mile deal has expired AND that they 've already done the hard pull. So XXXX has now harmed my credit and taken away the bonus that was the reason that I applied in the first place. All due to their fake pre-selection process ( which is really just spam ), their business practices of doing a hard pull before getting the information that they need, and their own sluggishness. //////////////////////// I sent in the info anyway because, oh well, they already did the hard pull. This was on XXXX XXXX. //////////////////////// Then on XXXX XXXX, I received a letter asking me to send in that same additional information. I went to their website and they have a feature to check my application status. I put in my information and the message is, " Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. '' This has nothing to do with my creditworthiness. I have a job that pays well, no debt, no mortgage, a nearly perfect credit history, a FICO score in the high XXXX, and I have never been rejected for a credit card. This is n't even a very good one.  This is due to their complete mismanagement and spammy credit offers.
Product: Debt collection

I have told Midland Credit that the number they are calling is a cell phone please stop calling me its using my data. They are calling from different numbers i have to continue blocking each number. They also say it in a mubbled voice thay the call may be monitored and i couldnt understand anything else.
Product: Credit reporting or other personal consumer reports

Midland Credit Management ( MCM ) is not the original creditor and never did business with them. 

MCM has reported account to all credit bureaus without properly validating the debt. MCM did not provide me with information on how the debt was obtained and the balance is not accurate since I believe I had credit protection on my account. 

MCM violated my right as a consumer and should not have reported this account as delinquent and in collections.
Product: Credit card

Kindly update my account this causing me a lot of stress and XXXX 

Im begging you plese remove this to the credit report
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Transunion for these inaccurate accounts. I submitted the proper documentation confirming my identity. However these accounts still remained on my credit profile after requesting them be removed for inaccuracy. I need a resolution as soon as possible as these items are negatively impacting my score and from being able to get further accounts.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Chase to dispute a charge. I paid the merchant on XX/XX/XXXX for a future service that would not take place until XX/XX/XXXX. At that time I realized that the merchant overcharged me. When I opened the dispute on XX/XX/XXXX the representative ( Im sure call was recorded ) was adamant that I only had 115 days to submit claim from the date of the charge. I submitted it in the advised time frame. Later on XX/XX/XXXX my claim was abruptly closed by Chase. On XX/XX/XXXX I was advised by the rep in the claims department that I only had 60days! Im now filing a complaint against Chase because I was misled by their representatives and its obvious that I was not told 60 days on XX/XX/XXXX or the representative would have never opened my claim at that time. As a result of Chase inconsistencies this has caused me to lose the opportunity of recovering the {$300.00} that I was overcharged. I have been a loyal Chase credit card holder since XX/XX/XXXX.
Product: Debt collection

I dispute the accuracy of this account. I want to cease and desist because Transworld Systems Inc is not authorized to collect any debt in the state of Pennsylvania. Theyre not registered to do business in Pennsylvania .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : Experian : 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

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by XXXX, XXXX, and Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically : Equifax : Late payments reported for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments reported for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Discrepancies Across Credit Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX by XXXX and XXXX, but {$840.00} by Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} by Equifax. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Acts requirements. 
Requested Resolution : I request that XXXX, XXXX, and Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Supporting Documentation : Copy of credit reports from XXXX, XXXX, and Equifax highlighting the discrepancies and errors. 
Payment history statements demonstrating accurate payment records. 
Personal identification documents to verify my identity. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the presence of inaccurate information on my credit report. Upon reviewing my credit report, I observed that these accounts are inaccurately reflected, causing undue harm to my credit profile. After engaging directly with the respective companies, it was confirmed that the inaccuracies originated from a miscommunication stemming from their internal errors. Specifically : Account statements were sent to the wrong address, resulting in delays and confusion about the accounts statuses. 
The companies have recognized and rectified the address discrepancies within their systems.

Both companies have assured me that the accounts should correctly display as either open/never late based on their verified payment histories and statuses.

I respectfully request that Equifax rectify these inaccuracies by : 1. Removing any erroneous late payment entries associated with these accounts.

2. Updating the account statuses to reflect the accurate information as confirmed by the respective companies.

This correspondence serves as a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ). I request that you initiate a thorough investigation and ensure that the necessary corrections are implemented within the statutory time frame. 

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

I reported to the three credit bureaus that my Capital One account, ending in XXXX, was reporting inaccurate payment history in XX/XX/XXXX. Capital One then placed comments under each credit bureau report stating information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). invalid date. I called XX/XX/XXXX to let Capital One know that my credit reports are still reporting inaccurate information and would like the late payments to be removed or I would be filing a complaint. I have attached XXXX credit report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX. I have attached my XXXX credit report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX. I have attached my XXXX report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX.
Product: Credit card or prepaid card

I got vanilla  visa prepaid card as a gift XXXX $ value. In the moment I activated it on their website on XXXX, XXXX XXXX $ were pending for XXXX transaction I havent made. I tried few times to call them and dispute this transaction, they told me to call in 1 week, I called again and they said they will start dispute after I fill the form from them. They wrote down my email and I never heard from them again. Than I tried to call them and the same situation happened again.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to Asurint ( One Source Technology LLC ). The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and/or financial information in relation to specific accounts on my consumer report and/or background check report. 

Detailed Legal Framework : 1. 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This statute is a key provision of the Financial Services Modernization Act, which requires financial institutions to provide customers with a privacy notice that explains the information collected, where it is shared, and how it is used. Importantly, it provides consumers the right to opt-out of their information being shared with nonaffiliated third parties. My request to Asurint ( One Source Technology XXXX ) and XXXX XXXX XXXX was based on this right. 2. Privacy Act of 1974 : This act establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personal information about individuals that is maintained in systems of records by federal agencies. While primarily applicable to federal agencies, its principles are echoed in the consumer rights afforded under the FCRA, particularly regarding individuals ' control over their own personal information. 3. 16 CFR 313.7 ( Regulation P - Privacy of Consumer Financial Information ) : This part of the Code of Federal Regulations requires financial institutions to provide clear and conspicuous notice to consumers about their privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties, and provide a method for consumers to prevent such disclosures by " opting out. '' 4. 15 USC 1605 ( Consumer Financial Protection Bureau portion of the Truth in Lending Act, also known as Regulation Z ) : This section of the Truth in Lending Act is enforced by the CFPB and governs the transparency of consumer credit transactions. The CFPB 's portion includes rules for fair handling of credit reports and ensuring accurate and fair credit billing and credit card practices. It also includes the enforcement of penalties for non-compliance with these provisions. My complaint relates to this law 's provision for enforcing fair and accurate credit reporting practices. Issues Encountered : Despite referencing these legal provisions in my opt-out letter and the ample time provided for the reporting agencies to respond and comply with my request, there has been no satisfactory acknowledgment or action. My personal, financial, and background reporting information continues to be handled in a manner that I believe is inconsistent with these legal provisions.
Product: Credit reporting or other personal consumer reports

In my fifth endeavor to resolve this matter, I want to emphasize that this marks my fourth attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.
Product: Credit reporting or other personal consumer reports

Dear LVNV, I am writing in response to your recent communication regarding the validation of the alleged debt associated with account number XXXX. Upon review of the information you provided, I am disputing the accuracy and legitimacy of the debt and requesting further validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 
Your response did not adequately substantiate that you have the legal right to collect this debt or that the information provided is accurate. Therefore, I am requesting the following : 1.Proof of Ownership - A copy of the original signed agreement bearing my signature and any documents proving your company has the legal right to collect this debt. 2. Payment History & Breakdown - A detailed account of how the balance was calculated, including interest rates, fees, and payments made. 3. Chain of Title - Documentation proving ownership of the debt from the original creditor to any subsequent collectors, ensuring it was legally transferred. 4. Statute of Limitations - Verification of the applicable statute of limitations, including the date of last activity. 5. Proof of Accuracy- Any documentation that verifies the amount, date of last activity, and validity of the alleged debt. Until these requests are fully addressed with proper documentation, I continue to dispute this debt. Additionally, I request that you cease reporting this account to the credit bureaus until the dispute is fully resolved, as reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 16815-2. If you can not provide the requested documentation, I demand that you immediately remove this account from my credit report and cease any further collection attempts. Any failure to comply may result in complaints being filed with the ( CFPB ), the ( FTC ), and my State Attorney General 's office, as well as potential legal action for violations of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I noticed back XX/XX/2023 that XXXX was on my credit report and I call the company and I was told they didn't send that to the creditors such as XXXX, XXXX and Experian they said I would have to contact the creditors and I did and they failed to remove it after the FTC letter was sent to them. I also noticed that XXXX was added to my credit report and it is not a credit card company I had spoken with the company and let them know that my account had been hacked and they didn't do anything to remove this from my credit reports and they have been sending threatening text messages to my cellphone saying if I don't pay the money it will be legal actions taken and that my wages will be garnish so this definitely needs to be removed because it was hacked and they know about it. I have also requested that XXXX XXXX be removed XXXX fail to remove it from my credit report after I have sent in FTC letters and proof that it wasn't my account because I didn't have service with the company because I had moved from that location so the new tenants were using services in my name.
Product: Debt collection

Credit Protection HAS AN ACCOUNT ON MY CREDIT REPORT THIS IS NOT MY ACCOUNT, THIS IS A VIOLATION OF THE FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is PAID charge off that they made numerous mistake in report now after years of correct them by me they refuse to remove the erroneous mistake on account and remove account ( delete ) as the law requires.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern to JPMCB CARD regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.