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

On dates between XX/XX/XXXX and XX/XX/XXXX 5 fraudulent charges were made on my Home Depot account unknown to me. These charges were made at several different Home Depot locations. The amounts were : {$720.00}, {$640.00}, XXXX, {$2700.00}, and {$10.00}. 
I notified Home Depot Credit Services by the number on the back of the card and reported it as soon as I discovered it. I called the next day also to check on it, and to make sure they knew. I also filed a police report with XXXX XXXX Sheriffs Office. 
The credit card company never contacted me during their investigation, but I received a letter on XX/XX/XXXX denying the claim, and threatening to report to the credit bureaus. 
I discovered that Home Depot had sent out 3 activated credit cards tied to my account that I did not solicit, desire, or have knowledge of, it was one of these cards that the charges were made with, not the one in my possession.

The charges were made at multiple locations, types of purchases, and card used is not consistent with my purchasing pattern, and the needs of a XXXX XXXX XXXX man. These purchased were made at a series of different locations not relative to my resident address or where I typically do business.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays,  so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Debt collection

XXXX   XXXX  and  XXXX   XXXX  is trying to make me pay a bill of {$62.00} showing on year  XXXX , in  XXXX   XXXX   XXXX . which I did not live there since  XXXX . Also  XXXX  in same year and date of  XXXX  has also placed on my credit reports that I owe {$280.00} and then it shows {$280.00} on another credit report. I do not owe either of these debts. Neither will remove these from my credit reports. I have verified proof I did not live there during this period of time. I have lived in  XXXX  since  XXXX . I have filed a police report of I.D . theft and submitted the file and all paperwork to both companies and no positive results yet. Because of this  XXXX  has droppe d my credit score   XXXX  points. I demand these companies to remove all records from my  XXXX  credit bureaus. I will file a lawsuit if necessary.  Toyota Financial Services  reported a late payment to my  XXXX  credit bureaus which was not late. The payment was paid on time. Date shows  XXXX , which I have also contacted  Toyota and t hey said it showed no late payment, but it is on my credit reports.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must remove any false accounts from my credit report. Could you verify the documents? The listed accounts have inaccuracies in the reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

This account has been on my XXXX XXXX and TransUnion since XX/XX/scrub> 2016 thats almost XXXX years! 
Its has been charged off XXXX times when its not even my account! Its has been a terrible impact on my credit and when calling customer service they are the most terrible individual you can speak with over the phone including hanging up in your face. 
according to 15 USC XXXXXXXX XXXXyou have violated my rights by in lawful communications. 
please remove this collection off of my credit report thank you.
Product: Bank account or service

An unauthorized withdrawal was made from my checking account with wells fargo. they were informed, XXXX emails, XXXX phone calls, They have not answered the emails, put me on hold then hung up with the phone calls. Refuse to refund my money, but continue to charge me overdraft fees, for items that would not be overdrawn if they had taken care of the unauthorized withdrawal. In short, they refuse to help and are making money off their refusal at my expense. They are extremely arrogant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have NEVER been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX for 8 and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX Bank correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

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

These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This XXXX  was added to my chapter XXXX, which has been XXXX over a XXXX  ago. This company is showing negative things on my credit report also late payments when I was never late on this account. Its against the law. Its against the law when you have chapter XXXX for them to still show late Payments and remarks on your credit report I have wrote them XXXX  times asking for this to be removed. I have been ignored. I was never late or have been laid on this account. This should have been removed once they receive that my chapter XXXX was filed and XXXX.
Product: Student loan

I still have not recieved a refund check in the ammount close to XXXX. Recieved refund for XXXX back in XX/XX/2023 for second, smaller loan. Followed up in XX/XX/2023 about refund, was told they would have to " investigate '' and it could take XXXX days. 90 days later, I continue to get the run around from XXXX. Unable to reach a supervisor or the " finance '' dept, whom supposedly is " investigating. Get a different answer every time I call or text message. XXXX blames Dept of Education, tells you to contact them, and US Dept. of Education states it is the loan servicer that has not communicated the refund to them.
Product: Credit reporting or other personal consumer reports

Open Date XX/XX/XXXX late payment for XXXX and XX/XX/XXXX the company never fix the issue
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3a Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Complaint Summary for CFPB Metro 2 Compliance Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under FCRA. The first time, I filed a traditional FCRA dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 Compliance standards, which requires them to either prove compliance or remove the accounts immediately within 5 business days.

Under CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.

Key Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request.

These accounts are not properly formatted under Metro 2, making them legally unreportable and subject to immediate deletion.

Under 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ), they must either validate full Metro 2 compliance or delete these accounts immediatelynot in 30 days, but within 5 business days.

I have re-attached my Metro 2 Compliance Letter with full documentation for review. 

Thank you for your prompt attention.
Product: Credit card

With new updates to the credit card company website for making payments, I initiated a payment for XXXX of XXXX but new platform had the wrong payment account addded to my account to make payments with. I tried calling in multiple times and got hung up on while waiting in que line. I want to let them know to cancel that payment as it will be denied so i can make the payment with the correct account. 

The new online platform blocked me from initiating payment with correct account as it said I just made a payment ( with wrong account ). 

I am worried now that because of this, they will think i was late on payment and charge me extra fees.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an account reported by CB/VICSCredit on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from misleading debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The High Credit amounts differ across bureaus : {$480.00} ( TransUnion ), {$340.00} ( XXXX ), and {$0.00} ( XXXX ). Additionally, the Account Open Date is inconsistent. These discrepancies violate 15 U.S.C. 1681e ( b ). 
XXXX. Discrepancy in Last Reported Dates : The Last Reported dates vary : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). These inconsistencies indicate a failure to maintain accurate and updated information. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/XXXX ( TransUnion and XXXX ). If no activity has occurred since then, this account may be nearing or exceeding the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ).

4. Unauthorized Transfer or Sale of Debt : I did not agree to any payment or authorize the transfer or sale of this account to another party. Reporting this account as Purchased by another lender without consent violates 15 U.S.C. 1692e of the FDCPA.

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard. 
2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15 u.s.c.1681 section 602 A. States i have the right to privacy.15 u.s.c 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish 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: Checking or savings account

Due to identity fraud, {$1000.00} was taking in my name, I paid this off and the account was closed but they wont take this off my credit report
Product: Credit reporting or other personal consumer reports

Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate. XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

I have not authorized anyone to obtain or run my consumer report. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX  student who has been a lender with U.S. Department of Education for several years. This month I was unable to get funds because, upon checking my credit history with Equifax, U.S. Dept of Education received a response that I have no file existing. 
I mailed Equifax a package of my identity documents ( passport photo page, front of social security card, copy of a current lease and the certificate of a recent name change ) and still received a reply that I have no credit history with them. I know XXXX XXXX, with whom I carry an account, reports to Equifax. I have a credit score with XXXX  and XXXX. 
I had a legal name change in XX/XX/2018 upon gaining US citizenship ; I updated my social security account and also mailed Equifax a court order of name change, to facilitate the search for my file. 
I'd like to resolve the issue as soon as possible because my current academic enrollment is in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The department of education do not have consent to report on my credit file I would like them to remove or delete immediately. All the accounts have this as identification number on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's been past 7 years it has been close to 15 years since I have this on my report I would like it removed. Show me a promissory note maturity date principal interest and the insurer 's signature if not deleted off my credit report. still remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. XXXX XXXX****,XXXX XXXX****,XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****,XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**,XXXX XXXX XXXX XXXX****,US DEP ED XXXX****,US DEP ED XXXX**** andXXXX XXXX XXXX****