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

I already disputed this items multiple times but it still shows negative on my report. Below are the items with discrepancies. I was never late to any of these accounts they paid always on time. I also attached the letters I sent to each of the bureaus. I never received a response or resolutions to any of my disputes. 

XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Paypal has " decided '' for some reason that I'm doing something suspicious and risky and permanently limited my account, I have money in my account that they insist I can't withdraw for 180 days, but it still lets me add money. They are literally holding my own money XXXX for no reason. No disputes what so ever. No reason for them to hold the money, they claim they can't do anything for me. My paypal email is XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, U.S. Bank charged my US Bank Cash + credit card account {$6.00} in monthly interest. I was puzzled, as I had held this card since XXXX with all monthly balances paid in full. The matter grew worse when I went online on the PC desktop website and was unable to edit the amount of the monthly auto-pay, which was locked to pay less than the full amount. When I called US Bank customer service earlier today, XX/XX/XXXX, I was kept on hold for an interminable time, and had to connect first with a CSR, then a banker, and finally website technical support who opened a ticket and promised I would hear back from them within a few days. It is illegal to charge someone interest against their will and the bank was unable to even identify the root cause issue, beyond promising to research. This matter needs to be promptly remediated and the bank punished for its lax financial controls impacting household income. It is entirely possible that this issue is not limited to a single account or household. I also want to make sure that the current interest amount is refunded in full and this issue is permanently corrected.
Product: Credit reporting or other personal consumer reports

I have a police report XXXX XXXX. FOR THESE ACCOUNTS I did not open these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file through Equifax in reference to XXXX XXXX XXXX XXXX account showing charged off in the amount of {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept of EDUXXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my credit file that do not belong to me. This includes the XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. Notation of the late payments for XXXX XXXX are inaccurate. Pleas investigate and verify that all data for this account is report accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to sep all statements and payment transaction records from the ere that would prove that my payment was not submitted on time g my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As XXXX Agreed, Never Late ) according to consumer protection laws. 

XXXX I contacted them and was to receive a call back, never received it. 

XXXX I contacted them again, no response. 

XXXX No resolution.
Product: Mortgage

I am submitting a complaint because I was told that the mortgage company can not file a allonge that is not attached legally to the note, it can not be submitted separately, also why did they submitted a note that includes my ex-husband which is not current. 
I have attached what was was submitted to the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have contacted Experian several times concerning the accounts listed on my credit report for DEPT OF  EDUCATION/XXXX with the account numbers XXXX {$3800.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX {$6900.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX {$4400.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX, DEPT OF EDUCATION/XXXX  with the account numbers XXXX {$5200.00} I submitted this request previously on report number XXXX which these accounts were deleted. There are also several inquries that are listed that are not mine & I never applied for XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX  XX/XX/19, XXXX XXXX XXXX XX/XX/19 and XXXX/XXXX XXXX XXXX XX/XX/19. All the above information should be deleted from my credit report
Product: Credit reporting or other personal consumer reports

Per FCRA 15USC 6802-6805 and The Privacy Act of 1974. My rights as a consumer has been violated I never gave XXXX or anyone for that matter permission written, unwritten, verbal or nonverbal consent to share my information with anyone so please delete/remove and opt me out of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I have ONLY ONE NAME, ADDRESS, and Cellular Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX All other listed Addresses and Phone numbers are Non-Mailable, and/or Non-Reachable please delete as well. 

All of this information was shared via a third party. Also TransUnion have me blocked from obtaining my credit report online I never opted out of this they just denied me my rights to do so. I feel this is a stall tactic to keep me from disputing the reporting information from my credit report. Please see screenshots for more details.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint False Collection Account by XXXX XXXX XXXX Dear Sir/Madam , I am submitting this formal complaint under the protection of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding a collection account falsely reported by XXXX XXXX XXXX. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXXXXXX Reported Balance : {$110.00} ( now {$0.00}, paid ) Last Verified Date : XX/XX/2024 According to 15 U.S.C . 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information must ensure the accuracy of information reported to credit bureaus. 

XXXX XXXXXXXX XXXX did not authorize XXXX XXXX XXXX to initiate this collection. Thus, the account was falsely placed on my credit report, violating both the FDCPA and FCRA. Furthermore, this action has caused undue harm to my credit score and financial reputation. 

I hereby request the CFPB to : Investigate the legitimacy of this collection account and verify whether XXXX XXXX XXXX obtained proper authorization from XXXX XXXXXXXX XXXX. 
Enforce corrective measures under 15 U.S.C. 1681i ( a ), which requires inaccurate information to be removed from my credit report promptly. 
Ensure compliance with FCRA and FDCPA by requiring XXXX XXXX XXXX to provide documented evidence of authorization for collection activities. 
To support my claim, I am attaching the following documents : A copy of my credit report showing the disputed account. 
Relevant correspondence with XXXX XXXX XXXX and the credit reporting agencies. 
A statement from XXXX XXXXXXXX XXXX confirming that no collection authorization was granted. 
I trust that the CFPB will address this matter with urgency to ensure my rights as a consumer are upheld under federal law. Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Debt collection

Someone used my name to open a sorage unit account. I was barley legal and had already had previous accounts that were reported as identity theft. This account was not reported because at the time it was not on my credit history. I called the place they told me there would be nothing they can do because it was not reported.
Product: Vehicle loan or lease

I have reached out to Hyundai Motor Finance Account # XXXX to question some information which is reporting they have failed to respond to my request. I have some inaccurate reporting to which I would like Hyundai to provide me with the correct data to ensure accurate data is reporting. 
1. Date of last payment 2. Date of first delinquency 3. Payment status I also requested the end of lease letter and payment history starting in XXXX XXXX XX/XX/2020.
Product: Debt collection

I do not have specific dates or times, but I took out a loan for XXXX the repayment was XXXX. The payday loan company advance america was informed when I took the loan that I had date specific pay dates. I paid on the same day every month. One particular month I was told that the specific date that needed to be drafted could not be accepted. I explained that the funds would not be there due to not getting paid on that date. Representative said okay and that they would still draft and continue to try and draft. Account was closed. I called the company when I received tax funds last year to pay, but was told that the settlement amount offered a month in advance had expired and that I had to pay XXXX more than what was originally owed. I looked up the laws, so is it fair to say that I now ow XXXX dollars from a XXXX balance? It stated that one NSF Fee was allowed to be charged. Where did the XXXX come from. My job old job has been called several times about the matter and company was told I no longer work there. It is unfair when I tried to pay the company last year and they refused to work with me. I can not afford the XXXX, but have read about court, garnishment, and so forth. I know it can not be criminal charges, but I can not afford a civil lawsuit either. The company came up with a repayment plan, but the amount of the repayment was much more than what I could afford. The company does not care about what you can afford to pay back at a time they want the amount they want or nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to inform that XXXX credit bureau and Equifax credit bureaus are is in violation of 15U.S.C 1681 ( a ) 6 ( B ) and 15U.S.C 1681i ( a ) 1. Please require them to thoroughly investigate the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my credit profiles per the FCRA.
Product: Credit reporting or other personal consumer reports

I had a credit card that I applied for from capital one & they told me it wasnt going to be a hard pull so i continued with the application & a few seconds later I got a notification from all 3 credit bureaus about a hard pull
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XXXX 2020. XXXX reported my account late for the month of XXXX 2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to zero balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XXXX XXXX, 2020 until XXXX 2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to remove the inaccurate information about bankruptcy chapter XXXX and dismissed bankruptcy on my personal credit. I had sent a copy of the Bankruptcy XXXX XXXX XXXX New Jersey stating they do not report to the credit bureau. In addition, do not authorize any third party to convey information to the credit bureau. I had requested the bankruptcy information be removed from my personal credit report. The credit bureau had failed to remove the information that was not reported by the Bankruptcy XXXX XXXX XXXX New Jersey.
Product: Credit reporting or other personal consumer reports

According to the Fair reporting credit act, 15USC 1681 section 602 states " there is need to insure that credit agencies exercise their grave responsibilites with fairness, impartialitty and a respect for the consumer 's right to proivacy '' XXXX and Experian are credit reporting agency and financial institution in which I am in the consumer. it is my right to ensure that my private information is shared or distributed, this is backed by 15 USC 6801 which states " it is the policy of the congress that each financial institution has affirmative and continuing obligation to respect the privacy of it customers and to protext the security and confidentiality of " customers non public information ''. XXXX and experian are credit report agency under this title. Section 2 of 15USC 168111 section 604 states that " in general subject to subsequent ( c ) any consumer reporting agency may furnish a soncusmer report under the following circomstances and no other " in accordance with the written insturction of the consumer to which it relates ''. this. XXXX and Experian consumer reporting agency does not have my consent, and writen consent to furnish this information, Any and all consent Verbal, non verbal, written, and or otherwise implied is now revoked. 15USC 6802 ( b ) ( c ) states " A Financial insituion may not disclose nonpublic personal information to a non affilitated third party unless the Consumer can exercise the non disclosure option ''. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX never informed me of my right to exercise the non disclosure option ''. Furthermore 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report contaning any of the following items of information, any Adverse item information, other than the records of convictionof crimes which antedates the report by more than seven years ''. These three accounts is an adverse item thaey are reporting without my pemission which is against the law. 15 U.S. code1681s-2 ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has resonable cassuse to believe that infomration is inaccurate. 15 U.S. code 1681e state " Every consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and to limist the furnishing of ocnsumer report to the purpose listed under section 1681b of this title ''. 
XXXX is not conducting reasonable procedures in regards to this accounts stated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX  is being reported on my credit reports that are not correct nor have I been notified of this delinquent debt. I have never been to court to confirm any paternity for any children. This account does not belong to me. I have contacted the company several times and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid to a XXXX  balance. 


XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX  XXXX inaccurate DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX XXXX inaccurate XXXX XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate XXXX XXXX XXXX inaccurate
Product: Credit card or prepaid card

To whom it may concern, On XX/XX/2019 I placed an order on Kohls.com for the amount of {$110.00} and incorrectly used my saved shipping address, which I have recently moved from. When I realized my mistake, within moments, I contacted Kohl 's customer service to have the order cancelled, per their policy. When I logged into my Kohls.com account, I saw that there was no way to cancel my order, so I contacted their customer service department. The customer service agent told me that because I elected to have part of my order for pick up at a store, and the other part shipped, I could not cancel my order or have my order redirected. Instead, I would have to track down the shipping companies and make my own arrangements. When I asked for a supervisor for further assistance, the supervisor advised me of the same issue, that she could not/would not cancel the order, and that I would have to make other arrangements. After this call, I proceeded to cancel my Kohl 's Store Charge Card and stated, I would not be able to receive the shipment, and I would not pick up the items in the store -- - and therefore, I will not pay the bill. 

My complaint is in two parts : one, Kohls.com policy is that an order may be canceled within 30 minutes, by logging into their ordering system and selecting cancel ( not available for me ) and/or by calling their customer service number. I was not able to cancel my order, even after I followed their policy -- - two,  because they would not cancel my order, I will not receive my order, and therefore, I should not be liable for : {$110.00}. Last, I was not provided the carrier or tracking information to change the direction of my shipment, and the supervisor could not confirm which carrier would ship my order, making it impossible to fix this issue. 

I am disputing a charge of {$110.00} on my bill, for goods I did not receive and I advised Kohl 's I would not be able to receive, moments after submitting an online order.
Product: Checking or savings account

I opened a brokerage account with M1 Finance and closed it. On their platform it showed my account as closed. I was sent an email on XX/XX/23 about this account that I had closed and it now shows a balance and is reopened. M1 Finance claims that while they " closed '' it on their end, it did not close on their dependencies so they reopened it and request that I connect A NEW bank account to move the money out and contact them again to close it. If I do not take action by XX/XX/23 they will liquidate my account and charge me {$50.00}. 

This is such a short time frame to take action and requires the person affects to realize and act quickly since closing an account requires on M1 's customer support to do so. They could easily stall and wait until it's automatically liquidated. I also have checking accounts with M1 and it's not an option to liquidate my funds for some reason. This is an extremely frustrating customer experience and very, very deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent. Type this out exactly in this box of you want to input your info and remove instructional verbiage.