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

On XX/XX/XXXX ; I received a letter from Early Warning stating that a fraudulent account that I had disputed came back as verified after I requested that they do a thorough investigation in the matter. The term " investigate '' according to the FCRA means a consumer report or portion thereof in which information on a consumer 's 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 or information. My rights were violated according to 15 USC 1681 section 602a states I have a right to privacy. In addition, it also states in 15USC 1681 section 604a section 2 that a consumer reporting agency can not furnish an account without my written instructions. The account in question is listed below : XXXX XXXX XXXX account # XXXX acct open date XX/XX/XXXX and account close date XX/XX/XXXX. This account has cause me great emotional stress, because I am unable to open a bank account due to the fraudulent account showing up on the Early Warning consumer report.
Product: Vehicle loan or lease

My original account maturity date was on XX/XX/2020 but then it was extended twice to XX/XX/2020 I was making payments on time and now after my account reached the maturity date I was shocked by outstanding balance of more than XXXX $ which is not acceptable and does not make any sense I have been paying for my car for over 6 years and I believe that this bank was overcharging me the whole time There is very high interest about 26 % and I already paid about XXXX $ as a down payment I believe there is so much fraud about my contract and there is a lot of inaccuracies regarding my principal, interest fees and late fees that made me overpaying for the car And now after I reached the maturity date they want me to continue paying this unexplained balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized reporting and inaccurate accounts reported from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inquiries on my credit report that is inaccurate account information. Informed Transunion numerous of times regarding inaccurate information and credit report. Provided company with proof of account being paid in full and closed. Transunion still refuses to remove inaccurate information
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I sent the following letter to Equifax,  XXXX , and  XXXX   XXXX  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from Equifax or  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

Equifax need to remove XXXX payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( XXXX XXXX XXXX ) XXXX showing proof each payments was made on time
Product: Checking or savings account

I opened a Citibank savings account last month. I needed access to the funds due to a broken air conditioner during a heat wave. I have been prevented from accessing the funds due to a fraud alert. I have spent over XXXX hours on the phone with Citi over the past 10 days trying to get this resolved or simply close my account in order to access the funds, but have not gotten resolution.
Product: Credit card or prepaid card

Had this account since XXXX and did not miss one payment ... ... I explained to the company Synchrony Bank in XXXX that I ran into financial difficulties this month and would try to make payment with I did but not enough funds were available in my account. 
I then told Synchrony I would double up next month XXXX which I did but funds again were not available on XX/XX/XXXX when they processed but were available on XX/XX/XXXX which they again processed and showed receiving my double payment. I then received letter from Synchrony which I will attach closing my account due to number of dishonored payments on my account. I called Synchrony and explained again but to no avail. I am more concerned with how this is going to affect my credit score more than anything else.

Please help!
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged into the Capital One credit card website and noticed that my available credit was only {$4900.00} when it should have been {$9900.00} as I had a $ XXXX credit limit. I am enrolled in paperless billing and checked my latest account statement and it showed a $ XXXX limit with no mention of a credit limit reduction. While searching the website for a correspondence page, I logged into XXXX from Capital One and it revealed that my credit score dropped 28 points because my available credit decreased. As I am currently in the process of shopping for a new home, a drop in my credit score that significant will negatively impact my ability to finance my purchase as my pre-approval was based on my prior credit limit and credit score. I finally found correspondence dated XX/XX/XXXX that informed me why my credit limit was decreased. As I have been a Capital One customer since the year XXXX, I called to ask for the credit limit decrease to be reversed. I was told that the decision was final and could not be reversed. I asked to speak with a supervisor and was told that they would not be able to reverse the decision. The supervisor then explained why my credit limit was decreased. I explained that I understood why because the letter detailed the reasons ; what I didn't understand was how a business decision with no policy, term, conditions, or member agreement could not be reversed for a 20 year customer with excellent credit history. I also expressed that I have never felt more disrespected by a credit card company ( even though I was a customer of the predatory Associates credit card I received as a freshman in college ) and should have been notified my credit limit would decrease if my usage didn't increase. I was again told that the decision was irreversible even though my XXXXredit score was so negatively affected. I am making this complaint because I have no recourse to repair the damage to my credit score inflicted by Capital One at a critical time when I am trying to procure a new home and need excellent credit to receive funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX with Quicken Loans looking for some information regarding a home equity loan. He wanted to sell be a refinance of my mortgage. I told him that I was not interested in a refinance but was looking for information on a home equity loan. I had no intention of applying for a mortgage refinance with him. I was just inquiring about possibilities of a home equity loan once my credit cleared up. He mislead me to believe that he could do a quick easy harmless credit pulse check and that it would not hurt my credit in any way. And I specifically told him that I did not want a hard inquiry to hit my credit, and he did it anyways without my authorization and it dropped my credit score by 3 points. I have contacted him about this and I have requested that he remove the unauthorized hard inquiry that is now showing on all three credit bureaus. XXXX refused to remove the hard inquiry. And thats why I am submitting this complaint. Hopefully you can help me to get Quicken Loans to remove this unauthorized hard credit inquiry. Quicken Loans used an agency named XXXX XXXX XXXX to do the hard inquiry and that is what is showing on my credit report.
Product: Credit reporting or other personal consumer reports

this company was notified that they may not report a negative transaction history, negative balance, overall balance, or delinquent status. They have in error reported such information and I require {$1000.00} per FCRA violation. this negligence has affected me negatively i have been denied an application for a new home and college funding! I am homeless currently to all negative accounts and can not afford higher education.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

Good Afternoon, I moved out of my apartment in XX/XX/2019, when I bought my house. I recently tried to apply for a VA refinance loan and my credit, which is normally in the 700s, was now a XXXX. After getting a copy of my credit report, I noticed a collection from National Credit System ( acct # XXXX ) in the amount of {$130.00}, starting in XX/XX/2019. I contacted the apartment and they told me they were under new management since XX/XX/2019 and that I needed to contact the Property Management company, XXXX XXXX  XXXX, since they could not verify the debt. After contacting the property management company, they said that this debt stayed with the apartment and they could not verify it. I reached out to the debt collector and they also could not give me information about the debt. I asked if i paid it, would they delete it from my credit, and they said they usually don't, but as a courtesy, they would in 60 business days. I then asked for a letter to validate that they would, and they said they do not generate letters for deletion. Leading me to think that this will not be removed ant that this debt is a fraudulent charge. The Debt collector told me that no supervisor could help me ( the apartment and the management company also told me the same thing ), and that i needed to contact him directly when I decide to pay this debt. I have never had problems paying my bills and I would have paid the apartment complex if i had known about the debt. I was never billed or contacted from the apartment complex. I feel that our names may have been sold to this company to collect fake debts. 

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

In accordance with the fair credit reporting act convergent account # XXXX has violate 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, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the U.S. Bankruptcy Court for the XXXX XXXX XXXX Michigan, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

XXXX, Equifax and XXXX are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.
Product: Debt collection

RENT DEBT AUTOMATED COLLECTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first name is XXXX XXXX XXXX XXXX XXXX XXXX but equifax is reporting XXXX XXXX XXXX XXXX XXXX missing the second letter I between the V and A after many disputes equifax refuses to update my name and its becoming frustrating and overwhelming please help. Attach to this dispute I am providing an utility bill to prove my case
Product: Debt collection

On XX/XX/XXXX, I had a procedure done with my XXXX in their office. I paid the doctor 's office the amount that was owed to them and my insurance, XXXX XXXX paid their covered amt. I never received any other correspondence in regards to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for {$260.00} from XXXX XXXX XXXX for a lab service for the XX/XX/XXXX Date of Service. Upon opening the bill, it had a completely wrong address for me. I contacted the company and they advised me that my doctor 's office sent them the address and they were advised that this was a self-pay account. That information is incorrect. I provided my doctor 's office my insurance information and they were paid for their services. I then contacted my doctor 's office to confirm what information they have for me and they confirmed the address they have on file is the address where I currently live and have lived since XX/XX/XXXX. I have continued to dispute this collection with XXXX XXXX XXXX and XXXX who handles the billing for this company and they are not providing a satisfactory resolution. I 've sent them a copy of my lease from XX/XX/XXXX showing that the address they have is not my address. I 've contacted my doctor 's office and they have the same information. My final contact with XXXX/XXXX XXXX XXXX was on XX/XX/XXXX and XXXX XXXX who is a supervisor, advised that the mailing of a bill is the only correspondence that they sent and no phone contact was ever attempted by their company and that the address they have " did n't drop out of the sky. '' I feel this is completely unacceptable as I do n't know where they obtained the address that they have on file or that fact that my account was a self-pay account when I was insured and my doctor 's office had that information and had no reason to send this lab anything different. I never received any notice of this bill and would n't have known about this bill as I never visited this lab and was never made aware that they had a bill or claim for me. I sent this company everything that I have including an explanation of benefits showing that my doctor 's office got paid and proof of coverage letter from my insurance covering the date of service. How could I have known about a bill from them if they can state that the only correspondence they sent was to an incorrect address and no phone contact was even attempted?
Product: Payday loan, title loan, or personal loan

I want to change my due date without renewing my loan and starting over. This company refuses to change the due date and they are charging me a late fee every month. Their refusal to change the due date makes me think it is to force someone to renew and or charge late fees illegally to the customer. I have asked every month for the past 4-6 months and they blatantly say they can not change it unless I renew which defeats the purpose of trying to pay a loan off. Every month they harrass me about paying I have asked and begged them to change the due date they constantly refuse. They send me massive amounts of mail about payment but will not change the due date. I also contact corporate office to complain about their local branch they never contacted me back. Please help me in this matter. I am so frustrated with this company I just want to pay my bill each month on time and at the end of the month. So I can never have to deal with them again. They constantly harass me every month asking me when I will pay I advised them each time to please change the due date. They refuse to change the due date unless i renew I refuse to continue to do business with them. I just want to pay each to get to my pay off. PLEASE HELP ME GET THEM TO STOP HARRASSING ME AND CHANGE MY DUE DATE
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds, when transactions were authorized, I was charged fees due to lagging posting of charges and credits. The issue aligns with the recent CFPB, findings against Navy Federal for similar practices where transactions settle with insufficient balance is despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have several fraudulent accounts on my credit report that doesn't belong to me including XXXX and several collection accounts.
Product: Debt collection

This debt has been on my report for awhile and I have tried several times to get this removed. No action has been taken on my request for removal.
Product: Debt collection

These debts in reflected charges in my account are the result of an identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT REMOVALS 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. I am also a Victim of Identity Theft and have therefore attached proof within this envelope including my Police Report & Federal Trade Commission Identity Theft Report as well. These accounts and furnishing credit bureaus have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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. 

Also Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As I am demanding the deletion of the accounts listed IMMEDIATELY. This has caused me so much emotional distress and even though I am providing proof, let it be known I do not have to due to the fact that I am a Victim of Identity Theft. " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX