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

I am writing to formally lodge a complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). Experian is inaccurately reporting that my XXXX XXXX XXXX account ( account number : XXXX ) is closed and has been charged off and marked as late as of XX/XX/year>. 

According to 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This provision clearly states that my payment should not be reported as late, yet Experian has done so.

Furthermore, 15 USC 1681 Section 602 emphasizes the importance of accurate and fair credit reporting. It is essential that consumer reporting agencies maintain the accuracy and integrity of the information they report. Experian 's actions are in direct violation of this section.

Additionally, 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Experian has failed to comply with this requirement, further violating my rights.
Product: Credit reporting or other personal consumer reports

Inquires on my credit report I do not recognize! 
Capital one inquire date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i am writing to bring to your attention several inquiries i have identified on my credit report, dated XX/XX/year>. Understand thst pursuant to section 605b Of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXX 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXX XXXXXXXX XXXXXXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} -lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Northstar location services , LLC is attempting to collect a debt that they have failed to validate.
Product: Credit card or prepaid card

Again I have the same issue with Navy Federal credit Union with my credit card reporting. I spoke with a representative on XX/XX/2018 and made my payment before XXXX XXXX  as they stated. I asked the representative, and I want the called pulled this time and Navy Federal to listen to it, if my payment was going to post for that day and she assured me that it would. I said okay. When my credit reported it did not show the paid balance. Again Navy Federal told me false information and the representative assured me that the payment would be applied the same day. Now when I receive my payment notice it will say I paid on the XXXX. I don't know why I keep having this issue with this company all of a sudden
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, Experian, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion FRAUD Account # XXXXXXXX XXXX XXXX XXXX I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of Trans Union not complying with the consumer law if not remove immediately I will be filling for damages with the law
Product: Credit reporting or other personal consumer reports

As of XX/XX/, I have sent letters asking the reporting agencies to furnish the supporting documents and PROBABLE evidence that I have any obligation to the mentioned accounts.
Product: Checking or savings account

Initial complaint below, submitted on XX/XX/XXXX. 
Complaint ID : XXXX REF XXXX - Capital One closed my account on XX/XX/XXXX without a full explanation of closure and ending the relationship. There was only an email sent stating I can not with drawer funds. Capital one didn't seek a statement from me in regard to any transactions in question. They stated they will return my funds by check after investigation within 90-120 business days. The mark of the investigation. They email me promotions and statements about the closed account but don't have an explanation on the loss that are owed to me will be returned and have yet to do so after calling monthly and trying to get updates. All representatives including the supervisor are condescending and rude. They are still holding my funds of {$220.00}.

Capital one issued an insufficient check dated XX/XX/XXXX for {$220.00}. That check was mobile deposited into my XXXX XXXX XXXX account ending XXXX on XX/XX/XXXX at XXXX XXXX. XXXX  XXXX XXXX confirmation of the mobile deposit is XXXX. On XX/XX/XXXX there is a return item chargeback found on my statement for - {$220.00}. A letter came in the mail dated XX/XX/XXXX, indicating a warranty breach and check has been returned on paid. When I called to speak to XXXX XXXXXXXX XXXX, they informed me that this check was insufficient funds and as a charge back. N a now closed complaint with the consumer financial protection bureau, they confirm that they issued and settled with a check, and it was indeed mail to my home for me to cash. The check was deposited in the right amount of time how ever has overdraft my account because they deem it as a chargeback.
Product: Debt collection

STEEL RIVER SYSTEMS , LLC purchased debt attempting to restart the statue of limitation clock for California. Sending me text messages and emails asking for payment and dinging my credit as a new delinquent account.
Product: Credit card

I signed up for a gym membership and months later cancelled on XX/XX/2015. However, I was still being billed and am still being billed for this membership even today. I cancelled this subscription in person at the gym, and the gym told me it would take only 30 days to take effect. When I called Chase to explain I was still being charged, they acknowledged my calls but never stopped the merchant from frivolously charging my account. Chase has not adequately protected me from this fraud.
Product: Credit reporting or other personal consumer reports

These very strong inquiries that's holding me back from moving forward with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid in full, but it still shows as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card with XXXX XXXX XXXX ( XXXX XXXX ) expired XX/XX/19 of this year. I called multiple times and requested a new card but was never sent one. This account has not been used since XX/XX/XXXX of this year. This company in XX/XX/XXXX wrongfully reported a past due payment to my credit report which caused my score to drop 96 points. I called customer service and explained to the representative that the late payment was made in error on their behalf especially since they method of making a payment is by your card number and I requested a new card/account number several times due to my previous card expiring in XX/XX/XXXX. During this time ( Around XX/XX/XXXX ) I requested AGAIN for them to send me a new card. I was then given an address and told to write to this address requesting the late payment be removed as it was in fact an error on XXXX XXXX XXXX end. I sent the letter as well as requested the credit bureaus to remove the late payment and have not received a response back from anyone. This is affecting my ability to purchase my home.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had two late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.
Product: Credit reporting or other personal consumer reports

As per our recent correspondence, I wish to bring to your attention the unauthorized opening of two accounts under my name. Enclosed with this message are the necessary police reports and supporting documents that confirm the fraudulent nature of the aforementioned accounts. These accounts, bearing the following details : Account number XXXX with BANK OF AMERICA and Account number XXXX, require immediate deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked on Thursday. 

On Friday, I checked to see whether or not I have been affected by the hack. Equifax has demanded that I wait until XXXX to get protection from a threat of identity theft caused by their mistakes. 

Not only this, but if I were to sign up for their protection, they demand that I waive the right to litigate against them ( again for their mistakes XXXX. 

It seems to me that while Equifax has been hit hard by this crisis, the fact that they are not willing to own up to consumers even remotely and are ill equipped to protect them makes Equifax primarily responsible in this case.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit file, I discovered the following inquiries that I did not authorize : [ List the names of companies that made the inquiries and the dates ] I have not applied for credit with these entities, nor have I provided authorization for them to access my credit report. These unauthorized inquiries are negatively impacting my credit score and financial standing. 

I have already attempted to resolve this issue with the credit reporting agencies, but the inquiries remain. I am requesting the CFPBs assistance in investigating this matter and ensuring that these unauthorized inquiries are removed from my credit report. 





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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Midland I haved told you that i never had account with XXXX XXXX I asked you to please send a credit application with My sign signature attached pending me to this Debt you failed to have done so in your previous Responds.I also asked you again if you are unable to validate this Debt I will no longer talk to you about it If you have applied this unveriffable debt to any of the 3 major reporting agencies I asked that you have them removed them ASAP AGAIN PLEASE CEASE AMD DESIST AND LEAVE ME ALONE
Product: Credit card or prepaid card

Comenity had a system nationwide outage that affected all its customers. I have been unable to reach anyone by phone and I wasn't able to log into any of my 3 accounts until today, XX/XX/XXXX. Completely unacceptable! All 3 of my accounts have miscellaneous fees, including XXXX XXXX  which I had previously removed. All 3 card accounts are closed due to previous issues with them. I have already been considering joining a class action lawsuit due to their negligence. 

My XXXX XXXX card, account # XXXX has the following fees that need to be removed : {$15.00} for XXXX XXXX {$360.00} in interest charges since I was unable to log in and make any payments of any kind, that should be waved. 
{$41.00} late fee should be removed since I was unable to access account. 

My Torrid Account, account # : XXXX : since I couldnt access my account until XX/XX/25, which is AFTER my due date, I should not have any late fees going forward for this month. XXXX XXXX has been removed and I want to be assured it wont pop up like it did on my other 2 accounts. 

Victorias Secret Account : XXXX was charged {$2.00} for XXXX XXXX, which I had previously removed. I need it removed and the {$2.00} refunded and I want to be assured it wont pop up like it did previously.
Product: Checking or savings account

TRUIST BANK, which " inherited '' my checking account from BBT, has been violating clients ' rights for a long time. This is not my first complaint, and they refused to negotiate with anyone to solve the past one. 

The issue now is that TRUIST BANK IS REFUSING TO RESPECT MY LEGAL RIGHT OF CLOSING MY ACCOUNT. 

They got in touch once ( in the transition from BBT, they eliminated ALL METHODS of written communication, which I really know to be illegal, since I have hyperacusis and do not use the phone ). They were disrespectful and starting threatening to demand my full attention and compliance. This is just too surreal for me to comprehend - how can a bank be allowed to function here when it simply violates ALL their clients ' rights? 

My first request from you is whether you can make them obey the law and close my account. 

My second question is what will happen if I just transfer all the funds, leaving it with {$5.00} only. In one month, the account will be delinquent ( maintenance fee ). They will try to collect. Doesn't that configure EXTORTION? If so, how are things done in the US? In the other countries I lived in, that's when you file a report with the POLICE, because it is a crime. 

It is also a crime ( a misdemeanor ) to refuse to allow a client close their account. 

I don't know what to do, and I got in touch with other customers. They report the same issues and they are all trying to close their accounts. 

I will be waiting for your instructions. You have my permission to use any means to force this quasi-criminal organization to follow the law. 

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

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My certificate of deposit with Ally Bank matured XX/XX/2020. On XX/XX/XXXX, by accident, I found that the completed transfer I had instituted via my broker, had been countermanded by Ally, the money returned to Ally and my account there frozen. No notification, no explanation, no apologies. On XX/XX/XXXX, after repeated calls and emails ( one with documentation of my identity ), I was told by a staff person in the fraud department that no one could speak to me because I am deceased. 
So far as I can tell, I am alive. I eat, sleep, and charge things on my credit cards. It should be ridiculously easy to confirm my continuing existence. 
I am not privy to Ally 's reasoning or sources but I did XXXX and found a person of the same name who did die -- -two years before I bought my CD. You would have to be alarmingly blind not to notice that this other person had a different address, a different telephone number ( presumably closed by this time ), a different social security number. In short, we shared nothing but a name. 
I have pointed out these facts in additional emails and calls and they have been met with a wall of silence. 
Meanwhile, no one will say where my money actually is. The amount in question is more than {$100000.00} on which I am losing considerable interest every day since it is not in the bank where it was headed. My reputation with my broker has been damaged, and this whole bizarre example of mind-boggling incompetence and not-my-problem indifference has taken a toll on my health. I believe the aborted transfer also violates the Electronic Funds Transfer Act. 
Ally advertises that " ... every interaction we have is designed to ensure we're doing doing our best for our customers and their financial well being ''. That might strike me as black humor if I could still laugh.
Product: Mortgage

From XX/XX/XXXX XXXX XX/XX/XXXX Village Capital was know that we had agreed to go into National Emergency Forbearance.. 
As of XX/XX/XXXX we were out of forbearance. 

XXXX of XX/XX/XXXX, I found out that Village Capital had reported on our Credit report that we were 120 delinquent on our account. Village Capital was contacted and asked to remove this from our credit report and I asked Village Capital for a letter stating that this was done. 

On XXXX XXXX I contacted Village Capital and they stated that it will be mailed. I also asked if they could email me this letter and they said no because of personal information included. 

On XXXX XXXX I contacted Village Capital and they stated that it had been mailed, but at this point I had not received. 

As of XX/XX/XXXX I have not received any letter.