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

I called in to ask for an extension from Capital One Auto Finance on XX/XX/XXXX. I asked the representative to have my XX/XX/XXXX for the extension. She replied what month are you attempting to do the extension for. I replied " XXXX '', She replied " you are approved for the extension we will move your date from XX/XX/XXXX to XX/XX/XXXX ''. She further went to say that in order for me to keep my approval for this extension I had to pay my car note by XX/XX/XXXX. I told her that I was did not want my credit affected. 

I take my credit very serious and I have made all my payments for both accounts on time for the over a year. I immediately setup the electronic payment for XX/XX/XXXX. On the same day, I was assessed two {$25.00} fees on my account and a late payment appeared on all three of my credit reports XX/XX/XXXX. 

The representative never said that I could not get the extension for that month I requested. Upon calling the resolution department speaking with XXXX he informed me that my extension was for the month of XXXX not XXXX. He also stated calling XX/XX/XXXX was too late for the month of XXXX, which was not 30 days late. That made no sense to me as the customer because that was the month I originally inquired about. Im completely shocked by what I was seeing because it made no sense to me as the customer who made payment arrangement for an extension and I paid 4 days prior to the date to be marked late. I would like to keep a positive relationship with Capital One Auto Finance. My credit well-being is my livelihood and primary concern. I am planning on making purchases in the near future. I am very responsible with my credit and I take it very seriously. 

I mentioned several times on the phone call that I want to keep my account current. 
At no time was I redirected to any other department to ensure my credit reporting would be accurate. My current credit report is saying late +30 days for the month of XX/XX/XXXX, when in fact that payment was moved to the end of the loan as the paper states. I have never been late on any payments. 
I am requesting that you look into the situation and authorize the removal of the late payment. I thank you for your time. I can be reached by phone at XXXX.
Product: Checking or savings account

Bank of America is putting an irrational and excessively long holds on my money/deposits in my Business checking account. This is absurd, fraudulent, and harmful to me, my business and my credit report! See attached document, showing a hold/pending credits of {$3500.00}!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As the result of an error at XXXX of XXXX this inquiry as added to my credit report. Ive communicated with GLS and sent them a different letter from XXXX explaining the situation that I no longer have access to. GLS has been uncooperative with removing this unauthorized inquiry from my credit report and I feel bullied into an inaccurate credit report because they dont care nor offer resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt that Trans Union is reporting on my credit report that is paid in full and closed. The original company is XXXX XXXX. I contacted XXXX and they send me an activities sheet showing my bill was paid in full. I've disputed it with the other credit reporting agency and they have removed but Trans Union has not. XXXX XXXX is the debt collector that is providing this false info. I have documents from XXXX that prove I owe nothing.
Product: Credit reporting or other personal consumer reports

This account does not align with my recollection of any account agreements from the past or present. I requested that Security Credit Services provide me with a copy of the original contract bearing my wet signature, as well as a detailed breakdown of the charges and fees accrued.

Invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt, Security Credit Services failed to provide any relevant documentation, including the original contract with my signature, proof of ownership of the debt, and verification of the amount owed.

Until this matter is resolved and sufficient evidence is provided, I am exercising my right to dispute the validity of the debt and request that all collection activities cease immediately. Any further communication from Security Credit Services regarding this matter should be in writing. 

I expect a prompt and expedited response to this dispute. Furthermore, shall Security Credit Services willingly continue to break the law and falsely render an illegal account agreement reporting to my SSN will result in legal action.
Product: Credit reporting or other personal consumer reports

I submitted my dispute on XX/XX/2023, to Experian. However, the credit bureau said they had completed their investigation, and everything was verified as 100 % accurate. 
According to the law 15 U.S. Code section 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I respectfully request for Experian to detail who they talk to.

Additionally, how did the Experian investigator complete this investigation?
Product: Credit card or prepaid card

Im writing as a disappointed customer of Citibank. On or about XX/XX/2019, I submitted a payment online. Shortly after realizing that I scheduled a from the wrong account ( there are several listed in my account ), I contacted Citibank and attempted to cancel and reschedule the payment using the correct account. They told me that they were unable to make any amendments and that it would be returned and then I submit another payment using the correct account. I asked if they could notate my account because I didnt want to face any penalties or problems. They said they would notate the account and assured that I wouldnt face any penalties. They even submitted a request to waive the fees. As advised, I made another payment, from the proper account, which cleared my account without incident. However, Citibank closed my account citing credit abuse. I contacted customer service to inquire and they would not offer any additional information. 
Im appalled and would like this situation rectified and the account reopened. Credit abuse is incorrect reporting. The payments on this account have been timely and Ive been a valued customer for many years. I used this card regularly which is not abuse. This is unacceptable and I am expecting a response. If Citibank is alleging credit abuse I would like a FULL explanation/FULL disclosure of the alleged abuse to include dates, times, and incidents. 
This is unacceptable treatment by Citibank. Accordingly, I have also filed an official complaint to the Consumer Financial Protection Bureau. Thank you for your time and consideration to this matter.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently found out I was sued by an old apartment company I used to rent from and this debt is now in collections. I looked up the court records and I was never served by this company nor the debt collector they hired nor the attorney 's office whom handled the lawsuit. Now this company is attempting to collect an amount even after the debt is older than seven years due to a fraudulently obtained judgement. This is tremendously unfair and abusive debt collection practices. I have tried to reason with them and they will not cooperate or help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX dated XX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.
Product: Credit reporting

I have numerous times filed a complaint with TransUnion to update my BALANCE on XXXX CREDIT CARD, which was settled months ago and XXXX provided me letters showing that it should be {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am asking for an investigation because these accounts on my credit file are incorrect. The XXXX Credit Report XXXX says I should get {$1000.00} for each error. FCRA XXXX requires reporting wrong accounts on a credit file.
Product: Debt collection

This debt with XXXX healthcare system was paid via 6 months payment arrangement for direct debit from my paycheck. The debt was satisfied early with a last payment of XXXX at my request. XXXX XXXX put a collection on my credit report originally for {$1000.00} then increased it after I notified them of the mistake {$1100.00}.
Product: Credit card or prepaid card

While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$570.00} from lvnv funding on XX/XX/2015. This credit card is unauthorized transaction and maybe identity theft is considered.
Product: Credit card or prepaid card

I have had this store card company report negative information on my credit reports. The problem is that I have never applied for a store card with this vendor. I tried disputing it with the store and also on my credit reports. The store says I have used the card for 2 years and that there were payments. I have tried to tell them that they either have the wrong person or that someone is using it fraudulently. I have also told them that I don't even shop at that store. This account shows an address that I used to live at but currently don't. I advised them that maybe someone whom purchased the resident may be using my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XXXX XXXX announcement, TransUnion had a link to freeze their credit easily. After XXXX/XXXX/XXXX, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.
Product: Credit card

I changed the pmt date on the app. Made my pmt. The next month there's a late fee. I explained what I did to them and why was a late fee there. It didn't take he said. So I agree to pay it but there would be another added and I would still have to pay both. But they could take it off on the full balance but I still have to pay it. I said this wasn't my fault but I will pay one fee they said bc of the date I have to pay XXXX. I can't afford that okay but we can't change it. I said I can't so please close it today they called me anyway we went through the same conversation and he said they are adding another late fee. AND REPORTING XXXX MONTHS LATE ON MY CREDIT. This is not right. There is no third party here and I authorize you yo please investigate this fully and not just take what they say to ne true when they respond. Thank you so much.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Date of Birth : XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report XXXX XX/XX/XXXX : XXXX  Installment account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$24000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of XXXX 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.
Product: Vehicle loan or lease

I paid off my Kia Finance America car loan on XXXX. There was a refund supposed to be returned to me in the estimated amount of {$980.00}. I have still to receive my refund from them. I have called them about XXXX  times  and they keep telling me that they are processing it and never do. They legally have 30 days to refund me my money after the car has been paid off. It has now been over XXXX and XXXX XXXX  and still no refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to XXXX, XXXX and Experian as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.
Product: Debt collection

I paid this debt about 4 years back and its still reporting negative on my credit. The company advised me that it would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a loan and the creditor informed me that they cant find me in Experian report it showed a blank I contacted expirian and they said it might be a glitch in there system and the need to fill out a form and it should be fixed with 3-5 days its been over 2 months and every time I call they give me the run around but it hasnt been resolved which is hurting my chances in getting loans or I get really high rates
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Credit Report XXXX / Report Number XXXX dated : XX/XX/XXXX XXXX Dear Sir or Madam : The purpose of this letter is to challenge an incorrect entry in all three my credit report file. 
Enclosed is a copy of the credit report file that obtained from your office. The challenged portion of the report has been marked. 
That this account XXXX incorrect address and place of work for this account plus it is over XXXX XXXX XXXX now so it should no longer being reported to any credit reporting agency by Fair credit reporting act law. 
This account was opened XX/XX/XXXX with amt financed XXXX with balance of XXXX  This Account has been on my credit report for 7 years and 9 months now. 
Your efforts in investigating this matter would be appreciated. Please respond at your quickest convenience regarding the results of your investigation. 
Social Security XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX Enclosure This is a XXXX XXXX document
Product: Credit reporting or other personal consumer reports

I disputed a collection account on XX/XX/2023, reporting by TransUnion on my credit profile for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX. The total amount is for {$3300.00} unsecured loan. The account came back as verified by TransUnion. Im not sure how they verified the information. I never received XXXX loan from that company. I ask for proof of verification that was never sent to me. Also according to the reported information I made a Last Payment Amount of {$920.00}, which I did not make any payments to this company. All information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, EQUIFAX, XXXX AND XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of EQUIFAX, XXXX AND XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.