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

I have been lied to by Capital One Auto Finance. Here is what happen to me. I set up a payment plan with Capital One Auto Finance. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report. 

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.
Product: Payday loan, title loan, personal loan, or advance loan

I am paying too much they keep taking money from my account, now on XXXX I amde a payment and they keep calling, texting, and emailing me that I have a past due amount I have repeatedly explained that I already made a payment and send them the Statement from my Account that shows I made a payment ontime they are still bothering me and keep telling me they will report for Credit bureau I am so stressed I really need help Best Regards
Product: Credit reporting or other personal consumer reports

By Federal Law In 15 USC 1681 ( C ) -2 Block of Information resulting from identity theft of a - 4 Day Block of Information Removal, that's correlated in 15 USC 1681 ( A ) Definitions ; Rules of Construction ( D ) ( 2 ) Exclusions ( I ) The Term Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; such as collections, repoessions, charge-offs, charged-off as bad debt, late payments, debit to income rational, credit utilization, inquiries any other and all derogatory remarks etc.

that would put a detrimential affect on his/her consumer reporting file.

I'm will be seeking {$1000.00} per violation in a separate invoice attached to my Consumer Financial Protection Bureau report in 15 USC 1681 ( N ) for Civil Liability for Willful Non-Compliance and other Civil Liabilities for any derogatory remarks on my consumer file solely to transactions and experiences to all creditors that reported this illegal excluded information to my consumer report.
Product: Credit reporting or other personal consumer reports

I did not authorize the XXXX to include any information on my report, which is a violation of the permissible purposes outlined in The Truth and Lending Act 15 U.S.C 1681B concerning reports. Additionally, this action raises concerns regarding compliance with the procedures stated in 15 U.S.C 1681E. Section 4 of 15 U.S.C 1681C is particularly relevant in this context.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bill for amex card was sent to wrong address. I was never notified by phone or email despite having this card since XX/XX/1969. Card was charged on an automatic annual charge and bill was sent to incorrect address, the charge was {$25.00}. This card was used for a transaction and declined thus making me first aware of a problem with this card. I then called Amex and learned that they cancelled this account, reported me to XX/XX/XXXX and my credit score was negatively impacted. In addition they lowered my credit limit on an additional Amex that I have also had since XX/XX/1969 and cancelled over XXXX points. I have always paid on time and never was made aware that I had a XXXX balance on the canceled card that was sent to the wrong address. When I asked them to increase my credit limit back to what it was on my additional account prior to this incident I was told no. I was also told no to reinstating my canceled points. The reason they gave me was that my credit card score was lowered due to nonpayment of my credit card. This is outrageous, they are blaming me for a problem that they created and now refuse to fix this issue even though I have had outstanding credit history with them since XX/XX/1969. I want my current card 's credit limit increased back to what it originally was and my credit score corrected immediately and my points reinstated. I am appalled as to how I was treated by Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these accounts please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your capacity to erode my faith in the banking system greatly concerns me. The integrity of the banking system relies on fair and precise consumer reporting, as outlined in accordance with 15 USC 1681 ( a ) ( 1 ). I have observed entries on my consumer report that warrant attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX XXXX {$510.00} XXXX/XXXX  XXXX {$220.00}
Product: Credit card or prepaid card

There were XXXX transfer funds added to the card. One on XX/XX/XXXX for {$50.00} and one on XX/XX/XXXX for {$1000.00}. These deposits were made in order to pay some bills. When the transaction was processed i was not immediately notified that the transactions could not be processed in the manner i was paying the bills which require bank account and routing number which was issued as part of the cards services as a bank. apparently that violated a user agreement and my card has been frozen and the card servicer refuses to refund the funds still in the account which are the XXXXwo deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to collect a debt that is in dispute with original debtor. No correspondence from original apartment complex concerning my issues of collecting double rent and notice to vacate while on a month to month that was expiring yet sent it to collection agency 1 year later after not responding to my concerns ( see attachments ). Was not provided an itemized statement after vacating the apartment within 14 days of charges only received a phone call from apartment collections department in which I asked for an itemized statement and was not provided one. We ( there is a cosigner and myself ) received notice from the collection agency on XXXX XXXX stating the debt. A certified return receipt letter was submitted on our behalf on XX/XX/2021 ( see receipts ) We have not received signed return receipts to date but have tracked letter and it was picked up from the post office XXXX XXXX ( see attachment ). It has been 30 days with no communication from the collection agency. They failed to respond within 30 days of the actual investigation, outcome and validity of debt. They have also reported to all major credit bureaus erroneous debt which has affected my ( our ) credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian about a problem with my credit report and they continue to not examine the facts. Here are the Facts. Section 809 { B }, 15 U.S.C & 1692 { B } makes it clear my rights to  request full validation. XXXX  XXXX XXXX # XXXX has not validated the debt nor have they sent me any information saying this account and debt is even mine. So how on earth did Experian verify the information as accurate when XXXX  XXXX will not even respond to my request? As Section 809 { b } states it is my right to request full validation and they have not provided therefore Experian is required by law to delete at once. I requesting to have XXXX XXXX   removed from my account ASAP. 

I have also reached out to Experian on XXXX XXXX XXXX. I have sent more than 6 letters to XXXX XXXX All certified mail which Experian has on record. XXXX XXXX refuse to even respond to my request of validation as the law allows in section 809 { b } I have ask them to several questions that  XXXX was unable to answer and it appears they have mixed me up with someone else as now they are reporting this account as paid in full. I am now requesting Experian to remove this account from my records as this account is not accurate they are unable to verify or validate this account. Its clear this is error. The law makes it very clear that collection companies must report accurate information to credit bureaus and Credit bureaus must report accurate information. If they can not it must be Deleted.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. ( XXXX XXXX ), ( XXXX XXXX XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me as I have one unknown item in my credit report, I do not know this account and I am victim of identity theft and I do not want to have anything that is not mine in my credit report. I have never had any relationship with this company. 

This is that item : XXXX XXXX XXXX XXXX Please delete this item.
Product: Credit card or prepaid card

on XX/XX/2019 ordered product from revolution fit muscle using citi bank card, it involved a charge of XXXX for on a 14 day trial, was not happy with product cancel but was a little late, so when the second shippment arrivied I SEND IT BACK. when I disputed the charge of XXXX, citi bank investigated and but did not revers the charge, and reported it as late on my credit report. A disputed item is classifies as a billing error right. Why should I pay for an item that was send back. Citi card is wrong or they did a poor job of investigating. Sincerely XXXX XXXX
Product: Vehicle loan or lease

I have an auto loan with Toyota Financial services and in the second week of XX/XX/XXXX I activated autopay. They took the first payment of {$400.00} on the XXXX of that month. The subsequent payment didn't " autopay '' and in XX/XX/XXXX my credit report was marked 30 days late. I faxed a request for removal of this from all 3 of my credit reports. I received a response by mail that didn't address what I had requested, and I was denied the removal. 

I have zero late payment markers on my credit report. I can't say why this happened, whether a glitch in their software or something on my end, but regardless there was no lack of money or intent to pay my loan payment.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 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: Student loan

Mohela placed me on administrative forbearance while they processed my XXXX application. They have not processed my application in a timely manner and have now placed me back into a XXXX year repayment. They need to rectify this situation prior to XXXX billing statement.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate, as follows : XXXX XXXX XXXX , {$9200.00}, XXXX XXXX XXXX  , {$1200.00}, XXXX XXXX {$140.00}, XXXX XXXX XXXX {$2500.00},
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX  account from XXXX XXXX on my credit report. I have never lived at, applied for, or signed a lease with XXXX XXXX. This account does not belong to me and is inaccurately attributed to my credit file. 

I have already submitted an XXXX  Identity Theft Report and a police report from the XXXX XXXX XXXX XXXX Department ( Report Number : XXXX XXXX ) regarding this fraudulent account. Despite this substantial evidence, the account remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 ( a ) : Credit reporting agencies are required to block information resulting from identity theft upon receipt of an identity theft report from the consumer. The documentation I have provided clearly demonstrates that this account was fraudulently opened in my name. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : This section mandates a reasonable reinvestigation of disputed information. It is unacceptable that Equifax continues to report this account without fully considering the extensive documentation I have provided. 
Furthermore, I should not be required to provide proof of where I have lived or supply lease agreements from my current or previous residences. This is an invasion of my privacy and irrelevant to the dispute at hand. The burden of proof lies with XXXX XXXX to provide a valid lease agreement signed by me, which they can not do because no such agreement exists. 

The continued reporting of this account is a violation of my rights under the FCRA. I request that you : Immediately remove the XXXX XXXX XXXX  account from my credit report. 
Cease any further reporting of this disputed account without a thorough and impartial review of all evidence provided. 
Ensure full compliance with FCRA requirements in handling this and any future disputes. 
If this issue is not resolved promptly, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I trust that Equifax will take the necessary steps to rectify this situation and ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

FREEDOM MORTGAGE is attempting to foreclose on my home in XXXX XXXX XXXX XXXX CASE NO. XXXX ( SEE ATTACHED DOCUMENTS FOR REFERENCE ) this action and case and foreclosure is an act of fraud and a crime under title 18 USC as FREEDOM MORTGAGE ACCOUNT # XXXX has been discharged in bankruptcy court case no. XXXX, therefore FREEDOM MORTGAGE IS commiting fraud and in violation of a federal court order
Product: Debt collection

I was never contacted by mail or telephone from this collection agency and they have no right to put something on my report causing my score to drop. I have sent 2 certified letters to validate date and received a return receipt from both stating that they were received the validation letters. However, I have not received anything else from them and they still continue to report a negative account/collection or my credit report. This is prohibiting me from obtaining credit as well as well take the necessary steps to obtain secure stable housing for me and my children.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, are reporting transactions or experiences on any of my consumer report ( s ). Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Student loan

Nelnet XXXX  They just out of nowhere told me it was time to repay weeks before repayment. Which they were wrong because I was in deferment from when it was still Great Lakes. 

I tried my hardest to sign up with their website to fix things and couldnt get an account made. Then I called and the wait time was hours long. Made an attempt to email and it was just automated XXXX. They have done nothing to help and I wont even be able to make payments because XXXX cant even access the page or make an account. 

I will file a lawsuit if I have to.
Product: Checking or savings account

Yes I took my phone to the shop and forgot my card and other info were in the back of my phone. I got my phone back on XX/XX/23 and logged into my Wells Fargo account and seen a slew of atm transactions that were not made by me that day they were posted on XX/XX/23. The anmounts were 6 charges for {$500.00}, 3 charges for {$200.00}, and 1 for {$180.00} Immediately after recognizing the issue I contacted the bank to let them know. I was told that I would receive a temporary credit and never received it. I was told I would be contacted 10 business days later and was never contacted just and automated email. Finally I decided to call them and was told that my case was denied because they determined that fraud didnt occur. I know that under federal law I have two business days to contact the bank and I will not be liable for more than XXXX dollars.
Product: Vehicle loan or lease

I applied for an extension of credit on XX/XX/2022. I was denied and received my adverse action letter on XX/XX/2022 stating that I would not be granted any other terms or credit. The action was based in whole upon negative and inaccurate information in a consumer report obtained from XXXX in which I have disputed. That information can not be used to determine an extension of credit as it is unlawful to discriminate based on any aspect of a credit transaction that was done in a good faith effort to apply and be extended credit. I contacted customer service on XX/XX/2022 requesting the reasons why I was denied besides info in a consumer report and was told I can not speak to anyone else and the decision was final. I filed a complaint with the FTC and the report number is XXXX. I now have an inquiry on my report as of XX/XX/2022 that is not associated with a firm offer of credit from Mercedes Benz financial and never gave anyone permission to report this inquiry as I have received no credit or benefits as of XX/XX/2022. Any and all proceeds, debentures, and dividends generated form this transaction should be sent to the address listed on the application.