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

To : Experian or XXXX  or XXXX  I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX.

Please govern yourself accordingly,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report for this account : XXXX XXXXXXXX. 

I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

urned in my XX/XX/XXXX XXXX XXXX lease with GM financial in XX/XX/XXXX under the provisions of the SCRA. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact GM. Received multiple statements from GM claiming that we owed money on the remaining payments while I was deployed to the XXXX XXXX. GM financial told us multiple times to disregard the statements that our account would be fixed since it was turned in under SCRA. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under SCRA. After several attempts ( probably 20 or so ) contacting GM Financial and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XXXX XXXX  the account still shows 60 days late on all three credit reporting agencies with updated dates inXX/XX/XXXX despite GM telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from GM Financial that the information was correct.
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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Debt was removed or discharged as paid in full / error but is still on credit report after receiving documentation that there was an error and account was deleted.
Product: Mortgage

SunWest denied buyer of loan because of insufficient collateral ( XX/XX/2022 ). This action took place afterwards buyer opted-out from property sale. I have witnessed this practice before ( not as a seller ), where lenders offer credit denial letters in order for buyer to opt out without any penalty. This is a misconduct and deceiving practice that should not be allowed and lenders should only offer this type of letters in legitimate cases. ( Buyer had sufficient funds to suffice collateral. )
Product: Credit reporting

XXXX suddenly appeared on my credit report and I have no idea who or what This is. I would contact them but they give me no information to contact.
Product: Debt collection

In XX/XX/year>, I received notice from a debt collection agency, Midland Credit Management, regarding two debts they claim are associated with retail credit cards originally issued by XXXX XXXX XXXX  and XXXX XXXX. I believe these debts may not be mine or are inaccurately reported. 
XX/XX/year> : I formally disputed these debts with Midland Credit Management, requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I asked them to provide : Proof of their legal right to collect these debts, including original agreements.

A breakdown of amounts owed, including fees, interest, and charges.

Verification of accurate reporting to credit bureaus. 
XX/XX/year> : I also submitted dispute letters to major credit bureaus, indicating potential inaccuracies. These debts are reported as charge-offs, yet I have not received a 1099-C Cancellation of Debt form, which is usually issued when a debt is officially canceled. As of today, Midland Credit Management has not provided adequate documentation to validate the debts or confirm their right to collect.

Due to the lack of validation and necessary 1099-C documentation, I believe these accounts are inaccurately reported. I request the CFPBs assistance to either validate these debts or remove them from my credit report if Midland Credit Management can not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on my XXXX and Experian credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/nXXXXcomplaint.pdf http :  //www.consumerfinance.gov/newsroom/cfpb-sues-XXXX-for-illegal-online-loan-servicing/
Product: Credit reporting or other personal consumer reports

FCRA 605B might necessitate the elimination of erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies regarding reporting, amounts, and dates.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX XX/XX/2020 To whom it may concern : Consumer Financial Protection Bureau On XX/XX/2020 I received an email from Capital One informing me that my credit card account ending in ( XXXX ) was past due and that I had incurred a {$28.00} late fee over a {$1.00} difference in my minimum payment ; meaning that in XXXX I paid a {$27.00} minimum and for some reason it changed in XXXX to {$28.00}? 

I paid {$27.00} as I did last month ( this will be added to the complaint ) but the amount changed for some reason? During these trying times they couldnt contact me or email me or waive a {$1.00}? 

I just dont buy the excuses that I have gotten from speaking to several supervisors and agents who honestly did not offer to help me at all and in fact took my {$1.00} payment over the phone on XX/XX/2020. 

This was a shock considering I paid both payments on my Capital One cards on XX/XX/2020 with my debit card ending in ( XXXX ). I am attaching my bank statement with the payments to Capital One on XX/XX/2020. I am also attaching the email that was sent to me today on XX/XX/2020 as well as the statement showing a {$1.00} amount. 

According to Capital One I still owe them {$1.00} yes thats right {$1.00} I am being charged a late fee of {$28.00} because of {$1.00} that was not paid. The minimum amount changes monthly from one month to the next. The reason for this change is due to the card being used according to Capital One but I have not used the card in a few months because I have been trying to get my card in good financial standing. So this constant changing of amounts is concerning to me for several reasons. The first is the late fee and my credit score going down 9 points this month ; which I am also attaching to this complaint. 

With everything thats going on and I am XXXX with XXXX I could have used that money to buy facemasks this month or other medical related items that I need but I paid my credit card company early and they could not contact me over the phone, or email me or simply waive a {$1.00} fee? Really? Capital One? Really? Is this legal? 

I did in fact pay the {$1.00} as of XX/XX/2020 when I was made aware of the situation. I have been paying all of the late fees on both of these cards but this situation is wrong ; its just not right. 

I want the late fee removed from my account and I want my credit score fixed by Capital One and I also want to know why? They are not reporting early payments to the credit reporting agencies? When I make them early? If we report the negative we need to report the positive too! 

In my opinion Capital One took advantage of the situation and was trying to obtain late fees and thats why they keep changing the amount on the minimum due each month. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting to formally request the removal of four remaining fraudulent inquiries from my credit reports. These inquiries should be expeditiously addressed in accordance with the FCRA section 605b, which obligates Credit Bureaus to remove items listed on an identity theft report. The inquiries requiring removal within 15 days are as follows : EQUIFAX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023
Product: Debt collection

on XX/XX/2021 I sent GM FINANCIAL a Cease and Desist, a Affidavit of Truth, Exhibits labeled with the companies violations of my federally protected consumer rights under TILA and the FDCPA, and a invoice for fair and appropriate compensation of the violations through certified mail with a green return receipt to prove the company received the documents. I also filed a complaint here through the CFPB with attachments containing everything that was sent to GM FINANCIAL supporting my claim of the violations and the section of the law referencing my consumer rights in which they violate. GM FINANCIAL responded to the CFPB with a letter that was unacceptable and unacknowledging of the fraud and violations they committed. The Affidavit of Truth filled with statements of truth which I sent to GM FINANCIAL ( and to the CFPB for documentation ) went unrebutted which by law stands as truth in commerce. On XX/XX/2021 GM FINANCIAL violated 15 USC 1692d- HARASSMENT OR ABUSE ; and 15 USC 1692c ( b ) - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION ( b ) COMMUNICATION WITH THIRD PARTIES ; when they implicated a third party debt collector to the whereabouts of my location information XXXX XXXX XXXX XXXX XXXX XXXX to Harass, abuse, and embarrass me by illegally repossessing my vehicle from my location at an inconvenient time while bystanders watched my privacy be invaded. I went to the repo companies residence to get my vehicle back and was told GM FINANCIAL has to send a release. When i contacted GM FINANCIAL i was told i have to pay {$1400.00} to have my vehicle reinstated, catch up on alleged debt from past due payments, late fees, and pay the tow fee from illegally having my vehicle repossessed unwillingly and provide proof of full coverage insurance which is supposed to be included in my finance charge but was never disclosed to me. Pursuant to 15 USC 1605, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I am the original creditor, I entered into a consumer credit transaction with GM FINANCIAL in which a finance charge is involved, and i am aware that GM FINANCIAL used my " Credit Card '' as defined under 15 USC 1602, to create the certificate of indebtedness and it is not my obligation pursuant to 18 USC 8- Obligation or other security of the United States defined. GM FINANCIAL is criminally liable pursuant to 15 USC 1611-Criminal liability for willful and knowing violation ; for violating my rights as a Federally protected consumer under 15 U.S. Code CHAPTER 41- CONSUMER CREDIT PROTECTION. GM FINANCIAL is civilly liable pursuant to 15 USC 1640- CIVIL LIABILITY ; in my individual action for damages, for twice the amount of the finance charge in connection with the transaction.
Product: Checking or savings account

On XX/XX/2024, I received a text message and email from Capital One asking if I had just authorized a purchase at XXXX for {$3400.00}. I had not authorized this charge, and I responded that I had not. I then received another text letting me know that my debit card was now restricted to avoid fraud. Worried, I immediately checked my Capital One 360 checking account. I found four charges that I did not recognize that were made on XX/XX/2024, totaling {$5900.00}. I could not find my debit card and at this point knew that it had been stolen. I called Capital One within minutes of discovering the unrecognized transactions. I explained to the Capital One Consumer Protection Associate that my debit card had been stolen. I was informed that the pin number was used, and I let them know that that was stolen as well. I recall that on the XXXX, I was being watched while using the ATM at my local Capital One branch. I believe the pin was stolen either through electronic or visual surveillance. I let the associate know that the transactions had taken place many miles away from my home area, and that I have several witnesses that can attest that I was not in the cities where the fraudulent transactions took place. The associate created claim number XXXX. 

On XX/XX/2024, to my dismay, I received notice through email that my claim was denied by Capital One, citing the reason, " Due to your assertion about the debit card possession and transaction information. '' Again, I called Capital One and was told that the decision was made because the card was used. Well, yes, it was stolen and used!

I believe that Capital One 's denial of my fraud claim is unjust and violates the Electronic Fund Transfer Act ( EFTA ) which provides protections for consumers in cases of unauthorized transactions. Under the EFTA, I am entitled to timely notification of unauthorized transactions and protection from liability for such transactions if reported promptly. 

I have taken all necessary precautions to safeguard my debit card and account information, and I promptly reported the unauthorized transactions as soon as I became aware of them. It is evident that these transactions were made fraudulently, and I should not be held liable for them.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

AMERICAN CAR CENTER DBA RAC DEALERSHIP/AMERICAN FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

OnXX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. American Financial, did not reach out until XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with AMERICAN CAR CENTER XXXX XXXX XXXXAMERICAN FINANCIAL on XXXX On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully had AMERICAN CAR CENTER XXXX XXXX XXXX/AMERICAN FINANCIAL account removed from my credit report. 

On XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY WESTLAKE PORTFOLIO MANAGEMENT FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX. 

I HAVE NOT SIGNED A CONTRACT WITH WESTLAKE PORTFOLIO MANAGEMENT. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XXXX 

Westlake portfolio management, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.
Product: Debt collection

I had a problem with citi bank they kept telling me stuff that wasnt true and added more money to my account then there should have been on my citi bank credit card. They handled the situation very poorly. Im autistic and that just needs to be handl better I kept asking about my account why is it higher than usual I havent used the account and now I owe them XXXX in debt with my bank but Im very upset how they handled the situation. The account was at the limit at XXXX and after that there were things adding on to it and it should have stopped it just kept adding on money my account and for some reason it hit XXXX and I was upset called customer service and they couldnt help me with the issue and Im passed Im still paying on this since last XXXX it just needs to not go over the limit for some reason money kept adding on the credit card and I wasnt too happy and made me upset I have a XXXX XXXX called XXXX and they just something u cant upset and I was upset with citi bank on how they treated me wasnt happy at all.
Product: Credit reporting

In 2007 I was moving and canceling my XXXX cable service. I was late returning the cable box and was negatively dinged on my credit. This was 9 years ago and it is still the first thing that comes up on my credit report. I have never been late on credit card payments and have been building my credit since I was XXXX. There also seems to be credit card delinquencies that are not substantiated and are false. This is an unfair system that does n't have sufficient oversight into correcting issues like this. Please help me! Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there are accounts and inquiries in XXXX, XXXX, and Transunion that I did not authorize
Product: Credit reporting or other personal consumer reports

XX/XX/year> I filed a dispute with a company called JEFFERSON CAPITAL SYSTEMS for a collection in the amount of {$3000.00}. I filed this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.
Product: Debt collection

1 ) ACCOUNT IS FRAUD AND IDENTITY THEFT, REPORTED TO LAW ENFORCEMENT AND MUST BE REMOVED FROM MY CREDIT BUREAUS AN PERSONAL INFORMATION 2 ) ACCOUNT IS NOT MINE, I DID NOT PARTICPATE IN NOR BENEFIT FROM 3 ) I DEMAND THE ACCOUNT BE REMOVED IMMEDIATELY FROM MY PERSONAL INFORMATION AND ALL CREDIT REPORTING AGENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Is in Violation of False Credit Reporting. The account # assigned to my credit report is XXXX, I'm filing a complaint with FMS, XXXX  & XXXX. XXXX & XXXX   allowed FMS to alterthe dollar amount being reported and report to XXXX  & XXXX  that a {$1.00} payment or payments have been agreed upon which is false and showing on my credit reports as if I have made an agreement to pay or have paid. i have request from FMS, XXXX  & XXXX  to provide a copy of a contract or agreement that shows my signature, along with the type of payments Received ( Credit Card, Debt, Checking or Money Order ) I have asked for Proof of these payment being made and from which banking accounts. Showing an agreement was made. FMS, XXXX  & XXXX  has Failed to provide me what evidence or accurate information supporting that claim. In addition, I have asked both XXXX  & XXXX  to Block this company from reporting false, inaccurate and misleading information on my credit file. I'm asking that FMS be remove and or deleted for Altering Account Balane, Re-Aging, False Alleged Payment Arrangment dates and False, Inaccurate Errones Reporting that is a FCRA Violations. I want 100 % accurate information reported on my credit files showing corrections, removal & deletion of this company off of my credit report. I need proof other than E-Oscar verification, which is a computer generated response. FMS has tried to place unauthozie inquires on my credit report also without my premission or knowledge without my consent which is a violation.