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

I have been trying to apply for a new auto loan. My bank checked my credit with Equifax, but the bank said they were unable to obtain a report from them. I had previously frozen my credit after the Equifax data breach, but had subsequently unfrozen it. When I tried to contact Equifax, I had to go through a series of questions to verify my identity, but some of the questions I was being asked were for accounts I didn't have ( but my son used to have, like student loans, etc. ). Now I've been locked out. I wrote Equifax, according to their instructions. It has been a month with no call or mail reply. The lease on my current vehicle expires soon, and I seem to be stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is easier for Experian to label all my complaints as duplicate instead of accepting liability. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX XXXX XXXX ). Experian dodges liability by refusing to send and labels complaints as duplicate. I feel like I am playing word games with XXXX  and have complained no less than 500 times. It is time for Experian to do business as the caretaker of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up Thanks
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : still reporting them as accurate you need to cease and desist this CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Applied for a Discover XXXX card, terms offered a 0 % APR balance transfer for 15 months with 3 % fee. I applied for the card and the offer on my new account states 10.99 % on XXXX. I have called and disputed this many times and they will not honor what their terms are on the application.
Product: Credit reporting or other personal consumer reports

I believe there has been a mistake in my account billing for Account Number : XXXX, for the auto : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). I have a late payment of longer than 30 days in my credit score report. However, when reviewing my account I discontinued automatic payments in XX/XX/XXXX. I made a payment on XX/XX/XXXX that went to the Principal instead of the Monthly Payment. This was an error in billing, I did pay the amount of {$590.00} in XXXX and XXXX XXXX XXXX took in the amount to pay for the principal. I consider this fraud. I then on XX/XX/XXXX of XXXX did a double monthly payment of {$1200.00} as I noticed that you had not taken in my XX/XX/XXXX payment towards my monthly payment. I contacted XXXX XXXX XXXXXXXX XXXX multiple times regarding this error by phone before the 6 month limitation in billing changes per their policies took place, but I never received a positive response. We can look at phone recordings to verify. I believe this is a billing error and I should not have a 30 day late payment flag in my credit report since this institution received the monthly amount on time, but failed to bill it as a monthly payment. In reality this institution received XXXX payments from me totalling {$1800.00} in the period from XXXX to XXXX and still received a derogatory mark from XXXXXXXX XXXX  XXXX XXXX. which I respect, but which made a billing error that cost me a significant drop in my credit score.

Please note that I am willing to dispute this at the Credit Bureau level since this is the only bad mark in my credit report, since this is a billing error, not a denial to pay from my side. I clearly made 3 payments in that period when only two were needed in my pay schedule. 

Thank you for your time and attention. 

XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I REPEAT This is not a duplicate, My first dispute you ignore " NOT MY NAME '' part of the dispute. This is my second time disputing and my LAST TIME trying to fix this issue before I file a lawsuit for Amenity, Statuary & Emotional damages. 

The original contract from ( Speedy Cash ) doesn't have my name. Copy of the AD ASTRA paper work they sent me via verified mail doesn't have my name, which is a major violation, so how are you verifying this debt? So I recommend you do a careful Investigation over the highlighted area on the documents that is attach. Under the FCRA 1681i That is Not My Name On The Original Contract so Delete this debt off XXXX  & XXXX  or I will be filing suite
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. 

Account name : XXXX XXXX XXXX XXXX XXXX 2024 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

Dates : XX/XX/2022 evening and XX/XX/2022 early morning Bank : Navy Federal Credit Union Amounts : {$2300.00} {$500.00} {$640.00} {$100.00} {$450.00} {$610.00} The transactions were unauthorized from my checking and saving account sent through the XXXX XXXX. I have no knowledge nor recognize the recipient ( s ) of the money stolen from my account, nor did I approve of the money being sent. I do not know or have any individuals contact information for the funds that were sent. Phone account was comprised and had to reset phone.

Contacted Navy Federal Credit Union to dispute the transactions/fraudulent activity. The bank closed the account and mailed out a new atm card associated to a new open account. The bank did not provide a provisional credit and denied the claim. I immediate called to open a new claim and I have not received a response. 

I received a text from XXXXXXXX insisting that I update my account before the incident. 
I received calls from XXXX insisting that I update my account before the incident.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Reinvestigation and Removal of Inaccurate Information under 15 USC 1681 I am writing to dispute inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i. Upon reviewing my credit report, I have found the following items to be incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are erroneous, and I am requesting that you immediately reinvestigate these inaccuracies and, upon confirmation, remove the items from my credit report.

Please confirm in writing once the reinvestigation has been completed and the items have been removed from my report. Thank you for your prompt attention to this matt
er.
Product: Debt collection

I am writing to formally file a complaint regarding an unverified credit collection entry with account number XXXX that has been posted on my credit report. The presence of this unverified entry is causing significant harm to my credit score and my overall financial standing.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts on my credit report with Experian, XXXX XXXX After the 30 day dispute I received an reponse to the credit dispute I ask for Experian XXXX XXXX to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Basically I have been using Coinbase since 2017 and have been a regular, rule-abiding customer. 3 months ago they locked my account and froze all my funds saying they were doing a quick review. 3 months later, still absolutely no word or timeline. Just terribly distressing
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. ( XXXX XXXXXXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Debt collection

Threatened me to take legal action against me if i do n't call back within the same day. The message also said to make sure i had an attorney, and to send that information to him or he was going to do something that is going to impact me. He also made himself to sound as an attorney, and said that there were some papers on his desk and that if i did n't have an attorney he recommended me to get one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Paid Account from Credit Report Dear XXXX, I am writing to request the removal of an account from my credit report that has been paid in full as agreed. 
Account Information : Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX  Date Paid : XX/XX/year> This account was settled in accordance with our agreement, and I believe it is in my best interest, as well as the accuracy of my credit report, for this account to be removed. 
According to the Fair Credit Reporting Act, I request that you review my file and update it accordingly. I have attached copies of relevant documentation, including proof of payment, for your reference. 
Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,
Product: Credit card or prepaid card

No disclosure was provided of an already completed balance transfer where the policy now allows for new purchases to accrue interest from the date of transaction. The policy had previously been that the statement would arrive to confirm transactions with stipulated minimum payment and the new full balance of the CC. To which I would make my payment and be on my way. Not they accrue interest the date of a transaction withour disclosing their policy change. This gets to the point of abuse to consumers that are not able to manage cards and changing policies. These people make me sick and illustrate the importance of the CFPB.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX XXXXXXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$8300.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to reporting a delinquent consumer debt to a credit reporting agency, Federal agencies are legally required to follow certain procedures and minimum due process requirements pursuant the 5th Amendment when reporting delinquent consumer debts to credit reporting agencies.

The Treasury has provided invalid credit information to the credit reporting Bureau without providing minimum due process to review the case and complete the administrative hearing as requested within the 30 day XX/XX/2020 deadline to respond within the notice dated XX/XX/2020. 

The agency can not prove the debt is valid, has not provided me any opportunity to review the debt nor can the agency even prove that the debt is overdue, and has not completed any investigation and provided any opportunity to rebut even an initial decision as no findings have been made. 


Once all minimum due processes and procedures have been observed within the Treasuries DMS program, ie the administrative hearing and the right to review and respond, only then can the accused be provided a 60 days notice to respond. The agency can not show that it sent any notice prior to XX/XX/2020 that provided a mandatory 60 days notice of intent to report for which to respond and prevent derogatory information from my credit file all under 31 USC 3711 because the file is still pending administrative hearing and review of the validity of the debt.

Reporting debts owed to the United States to consumer reporting agencies is governed by the DCA and the DCIA a
s codified at 31 U.S.C. 3711 ( e ). Obligations of consumer reporting agencies and state and local government agencies to investigate disputes under the Fair Credit Reporting Act ( FCRA ) arise independently of 3711 ( e ). Because the federal agency can not ( 1 ) complete an investigation to provide evidence that a hearing with a required initial hearing reconsideration has taken place as well as ( 2 ) prove that the debt is even valid due to the absence of any evidence as requested on XX/XX/2020, the reporting bureuas are required by the FCRA to delete the information from the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to BMW advising of a hardship due to COVID-19 Pandemic and needed a deferred payment to allow me to stay on track and continue to make payments on time. Through the whole process I stayed in constant contact with BMW letting them know i would do my very best to become current. BMW said its no problem we will help you out during the pandemic as long as you " stay in contact and continue making a best effort to pay the loan. '' which i did. i was able to pay the loan balance down and with further conversations they stated if i was able to sell/pay the entire loan balance they would change payment history to reflect XXXX missed payments. on XX/XX/XXXX i sold the car and paid the entire balance in full. i was again told that's great we will " take care of that on our end '' however now on XX/XX/XXXX i am still reflecting late payments which are hurting my credit report almost beyond repair. Knowing how this turned out i wish i never sold the car considering it didn't change anything and i was being as genuine, Honest, and upfront the entire time.
Product: Debt collection

WAYPOINT RESOURCE GROUP {$160.00} Open balance WAYPOINT RESOURCE GROUP Original creditor Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Responsibility Individual Remarks Placed for XXXX Original creditor name WAYPOINT RESOURCE GROUP The last response I got was : Hello, Do you have another address or phone number that this account could be associated with? Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

I called again and I finally got an account number after they try to sell me my own credit report. 

Account number : XXXX Will be filing with the XXXX  as they are liers and scammers, I've been in prison the last XXXX  years so no way I should have this on my credit score. They lied the first XXXX times and said they couldn't find my account and when I called they found it even without my social. They ARE XXXX 'S!
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 U.S.C 1681 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX 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: Credit reporting or other personal consumer reports

I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts as I don't know who's they are. Please remove them!