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

On the date below I sent all three Major Credit Bureaus the following letter to verify my account information, of which they all responded stating that the information they had on file had been investigated and verified. Information inmy credit filed could not have been investigated nor verified if one or more bureaus have conflicting opening dates and credit limits or other data incorrectly documented. 

None of the Credit Bureaus sent any information detailing or proving an investigation had been properly conducted. Especially and specifically with the following ( 2 ) accounts, XXXX Validate Account XXXX XXXX, XXXX Validate AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 


Thank You, XXXX 15 U.S. Code 1681i Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting or other personal consumer reports

I am bringing to your attention the fraudulent personal information tied to my identity. Certain accounts and transactions have been wrongly associated with me, causing significant XXXX. I've been a victim of identity theft and have taken swift action by reporting the incident. Addressing this promptly is crucial, as it's adversely affecting both my financial XXXX and XXXX XXXX. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
Product: Credit reporting or other personal consumer reports

There seems to be unauthorized hard enquiry on my Transunion credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Someone is using my SSN to apply for credit cards without my permission or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to failto validate this reporting account as unverified information without providing any proof within the time framespecified by law. My credit report includes the erroneous information that needs to be investigated andcorrected : XXXX XXXX XXXX : {$400.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to ongoing errors and violations in the reporting of my Capital One account ending in XXXX. Despite disputing these inaccuracies for over XXXX months with Capital One and the credit reporting agencies, no corrective action has been taken. These errors are severely damaging my credit profile and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are listed as XX/XX/year> and XX/XX/year>, which are future dates and clearly impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Account Status : The account shows a {$0.00} balance and is marked as Closed and Paid, yet it continues to reflect a Negative status and a 30-day late payment. This is misleading and inconsistent with the account being settled and paid.

Failure to Correct Disputed Information : Despite multiple disputes, Capital One has failed to correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ).

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file.

Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ).

Capital One 's failure to correct these errors is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.
Product: Credit reporting or other personal consumer reports

The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXXXXXX  ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXXXXXX  .... 6 ) XXXX XXXXXXXX {$730.00} XX/XX/XXXXXXXX  .... 7 ) XXXX XXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXX
Product: Debt collection

I have two store credit cards with XXXX XXXX, and due to unforeseen circumstances have fallen behind on my payments-only 30 days. After repeated harassment from the Bank I have blocked their phone numbers on my phone. Now, a third party debt collector has began calling my mother on their behalf, whom is not at all associated with my debts to the Bank and whose phone number is not and has not ever been listed on my accounts with the Bank. Ive advised her to block the numbers, but they call her multiple times a day from several varied phone numbers.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation
Product: Debt collection

Owed an amount to XXXX which was cleared up with the tollway direct and agreed to have the collection agency remove any negative marks as it was not 100 % correct. As when I orginally reach out to XXXX XXXX before it had gone to collections the rep I had talked to said that she was removing the additional charges as long as the original tolls where paid which where. I never received any notice from the collection agency and only seen them reporting on my bearu to date I have not heard from the agency only see them on my Credit report I have tried to reach the corp office at the number, a number that I was provided by a cs rep at XXXX. ( the corp number I was given is XXXX ) but still have not heard anything from the collection agency and it is still being reported on my XXXX XXXX report after I was told it would be removed immediately after the situation was settled directly with the oirginal creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 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 The creditor has reported that from XX/XX/XXXX through XX/XX/XXXX, my account payments were late or not made, which is false. The payments were all made and were on time each month. I have tried contacting the creditor and all three credit bureaus about the issue. Each time, they just report back that they can not change what my credit report says because the original report was accurate when in fact, it was inaccurate and is causing me not to be able to build my credit as quickly and efficiently now and is also causing me not to be able to get new credit with other companies.
Product: Debt collection

Debt was previously deleted from my credit report on XXXX XXXX by XXXX after fraud affidavit filed with XXXX and the FTC. This is not my account and I demand that the account be deleted from my credit reports. 

STELLAR RECOVERY INC . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

I applied for personal line of credit to payoff current loan and to have cash to pay bills. Wells Fargo lead me to believe i would be approved. My mother cosigned and has over XXXX in assests not including stocks and antique collection. I feel they did not consider loan with cosignor and gave false hope that i was approved. My mother and i have been with Wells Fargo for years and have always been loyal and done well with our loans. I needed this to get my payment lower and consolidate so i could improve my credit score i  seek reconsideration and approval i owe under XXXX XXXX and my loan request was to pay that off and pay other debt this would create a better situation for me
Product: Credit card or prepaid card

CareCredit Rewards MasterCard is a credit card that combines the benefit of being a MasterCard that accumulates rewards points but also still allows the promotional financing through in-network CareCredit providers like a traditional CareCredit card. Card holders can have an active revolving balance as well as active promotional balances that are supposed to be interest-free if paid off within a certain timeframe. I am supposed to have XXXX active promotional balances right now that will be interest-free if paid off within 6 months. I also use the card for regular MasterCard purchases to accumulate point and sometimes carry a revolving balance in addition to the XXXX promotional balances. I always pay off the balance on all of my credit cards each month so I do not pay interest. CareCredit keeps applying my payments towards the promotional balances first even though I am still within the interest-free 6-month timeframe. This leaves the revolving balance only and they keep attempting to charge me interest on it. I have requested to them multiple times to first apply my payments to any revolving balance but they do not seem to have a way for their system to automatically do that. I have to contact them when I make a payment and request for my payments to be manually re-allocated to the revolving balance so that I am not charged interest. I always pay off the promotional balances within the specified time frame so I do not pay interest on them. 

I am very mindful of my finances and avoid paying interest at all times, but there are likely cardholders that are unaware of this practice and are being charged interest when they shouldn't be. They are illegally charging cardholders interest by having payments applied to promotional balances that are still within the interest-free time frame. 

Here is the link to the product : https : //www.carecredit.com/mastercard/
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect DOB These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax violated : 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. 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.

When I explained this to the reporting agencies they only updated the accounts even though it's proven identity theft, incomplete, inaccurate information in my consumer report XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Please contact me to explain what information needs to be in a suite when you proceed pro se or point me in the right direction... .ps I tried to provide supporting documents for my previous disputes but the web site doesn't support the size of a screenshot of my id or any other files. When struck with this a couple days later that's when the results came back as updated ... ps I like how at the end of this complaint we have to check to give you authorization to even access my report.
Product: Debt collection

On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.
Product: Debt collection

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 
Under federal law, you have XXXX ( XXXX ) XXXX to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX XXXX XXXX XXXX XXXX of the completion of your re-investigation.
Product: Credit reporting

I contacted Transunion Regarding negative inquiries and they refused to help me were very passive and short. Not helpful at all and this was not resolved. I contacted them regarding the following negative inquiries : -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XX/XX/XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX MOHELA reported to experian that they were unable to locate me. But I have been in contact with mohela and made payments even though my loan are being deferred because I am in school. I havent changed my mailing addresses still the same one mohela has on their file. 

My credit score dropped because mohela reported they were unable to locate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived in XXXX XXXX, NJ and I never lived on XXXX XXXX in XXXX, NJ.
Product: Credit card or prepaid card

Made a purchase of {$31.00} on XXXX/XXXX/19 on my XXXX credit card. I paid {$31.00} on XXXX/XXXX/19 ( which was late ) so I paid an additional {$27.00} on XXXX/XXXX/19. Ever since I have been getting additional bills that assess a late fee for the late fee that I didn't pay on time and now my bill is at {$120.00}. The credit card company agreed to close my account if I paid an additional {$34.00} which I did but the whole situation feels incredibly wrong to me. 

My account is now closed as of XXXX/XXXX/19 but I have paid {$61.00} in late fees for a {$31.00} purchase that I should have paid in cash. 

How do the credit card companies get away with charging you late fees for late fees when the original bill has already been paid off?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in direct violation of th fair credit report act. XXXX XXXX XXXX XXXX XXXX XXXX, Discover bank, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act/
Product: Credit reporting or other personal consumer reports

I checked my credit report on date XX/XX/, and noticed my XXXX XXXX  account and my XXXX XXXX account indicated late payments for several months which was incorrect. I've tried to mail a letter directly to all 3 credit bureaus explaining this and was unsuccessful with getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. There are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Product: Debt collection

REGIONAL ACCEPTANCE CORP has reported inaccuracies on my credit report which is in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. Regional Acceptance has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. This company will also not provide me with running accounting records of balance information in which they state i owe, and my original contract with my wet signature as requested. 

I also never received a 1099 form for the ( XXXX XXXX ) or rest of this allege debit that is owed. 

Lastly after discovering several illegal finance discrepancies, with excessive interest charges and illegal downpayment methods I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction, shall be determined as the sum of all charges which was never disclosed to me by REGIONAL ACCEPTANCE CORP in direct violation of this law. Furthermore, the DEALERSHIP also accepted a CASH down payment of DOWN PAYMENT AMOUNT of {$1500.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type of payable in a comparable cash transaction. 

Due to not being provided the original contract with my wet signature from REGIONAL ACCEPTANCE I am asking that your company help me with removing this fraudulent account from XXXX, XXXX and XXXX credit bureaus without prejudice.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports