23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Capital One has closed my checking account, removed my ability to access it online and after 6 months still refuses to return my funds that were still in the account. My account was closed sometime last XXXX  in XXXX. 
Checking Account # XXXX. There should have been {$6800.00} in the account when they closed it and I was told on the phone that a check would be mailed to me upon the account being closed. I have not received my money yet.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX. 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 to be removed. 

They are not in compliance with the following law. XXXX USC XXXX 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! 

XXXX USC XXXX ( 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 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
Product: Debt collection

In XXXX, I noticed a collection account from this company on my credit report, which I have never received an initial letter from stating they are collecting on this debt nor containing notice of my right to dispute the debt. Per the credit report, they stated they started collecting on this debt in XXXX 2015. I sent this company a letter and they never acknowledged receiving this. They have willfully violated the law.
Product: Mortgage

Community Loan Servicing residential was bought out by a company named XXXX XXXX. I paid off my residential loan and Community Loan Servicing owes me a large escrow check. They are not picking up and the new company has no record of my loan, address or anything. Help! I can't be the only one that got caught in the company being sold.
Product: Vehicle loan or lease

I have a loan for XXXX. The interest rate is XXXX % apr which I think is high for me with a credit score of XXXX. So I have been making extra payments to pay the loan off faster but when I make payments BOA has been going back sometimes more than 30 days before last payment and charging me interest on a higher balance that I have already paid down.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS LISTED HAVE TARNISHED MY CREDIT, MY SSN, MY NAME AND HAVE CAUSED SERIOUS DAMAGE REPORTING INACCURATE TRANSACTIONS ON MY CREDIT REPORT. I AM DISTRESSED THAT THIS IS HAPPENING TO ME, THOSE INACCURATE ACCOUNTS HAVE MADE IT SO HARD TO ACQUIRE NEW CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORIES REMOVE OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit reporting agency has been notified that an account is being inaccurately reported. The information that is being reported is resulting in derogatory information into my report and requires Experian attention to complete a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank FCRA violations not mine ChexSystems
Product: Money transfer, virtual currency, or money service

Breach of trust, Block , Inc. ( cashapp ) fraud and scammed us consumers.
Product: Debt collection

In my credit report, it shows a collection amount of {$150.00} from this collection agency after it was transferred from XXXX XXXX XXXX Hospital. I have not received not one letter by the hospital or collection agency to collect the amount due or been told how to pay off this amount over the years. The agency is not returning my calls or answering any of my emails and the hospital has not been specific with what the charges are from. As well, the hospital said I owed {$200.00}, and referred me to another agency not listed as the collection agency on my credit report which is giving me different answers.
Product: Credit reporting or other personal consumer reports

The company is kickoff and they said they would tell the credit bureau that I had a loan with them for XXXX XXXX XXXX dollars and we long as I paid the XXXX dollars a month they would continue to do so. At first I thought it was ok but as time went on I felt like they were lying just to make money. Then it turned into harassment. They were bugging and bugging about this XXXX dollars and I just felt like they were doing something wrong, it didn't feel right. Now they are trying to hurt my credit by saying my account is delinquent but I never borrowed that money. Please tell me what to do about this, I'm really trying to repair my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the FCRA vioaltions see attachments
Product: Credit reporting or other personal consumer reports

Regarding my XXXX credit card account - XXXX, on XX/XX/year>, I spoke with XXXX at XXXX XXXX customer service department. I explained my account was never late and it had been paid in full and closed. I informed XXXX the account was showing as unpaid due to the continuing accrual of unpaid interest every month, but the account had been closed/paid and this was in error. XXXX reviewed the account and agreed that the monthly interest accrual was indeed in error. She corrected everything regarding the account, as far as the late fees and interest accrual along with updating the " Late '' status of the account in XXXX 's account computer system. XXXX said she would send an " Adverse Action Letter '' explaining the incorrect reporting status of this account to all 3 credit reporting bureaus. However, after XXXX days following this corrective action by XXXX XXXX and submitting the account status update letter to the 3 reporting bureaus, all 3 of my credit reports are still showing as being either 120 days/150 days late for this account. Would you please contact the 3 reporting bureaus and have this late status corrected/deleted and then have the account status updated to paid-never late for all 3 reporting bureaus. Thank you or your help in this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : INPUT INQUIRES AND DATES ( CAN COPY AND PASTE FROM DOWNLOADED FTC REPORT ) EXPERIAN : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX Attached are copies of my state ID. Warm Regards, XXXX XXXX RESOLUTION : Please delete the inquiries listed and send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX
Product: Credit reporting or other personal consumer reports

GMFNANCIAL Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed and paid XX/XX/XXXX XXXX  Closed account charge off XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed for chapter XXXX Bankruptcy Discharged Date Filed XX/XX/20011. I have just started to build my credit back up with my first credit card from XXXX. I am up to date on all my payments and had ask for a credit increase. The Bank ( XXXX XXXX ) which got a credit report from Transunion consumer relations which had false information on the report. They put on the report that I had Serious Delinquency, and Public or collection filed, too few accounts currently paid as agreed, Lack of recent installments loan information, too many accounts with balances.And it said number of inquires was a factor in score. XXXX score. 
All of which is false information..I called Transunion and they would not send correct information to XXXX XXXX which denied my credit increase. My record should be clean after my Bankruptcy.. Please make them send correct information to XXXX XXXX. I only have one credit card and that 's with XXXX..
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I was told that they decided to take more to keep interest down. They took over half of the original loan amount out in payments on the loan. I borrowed {$7500.00} and two years later I had only been given credit for {$490.00} towards the loan! 
I told them to stop taking the multiple payments of {$190.00} and that I would start making the payments myself with no automatic drafts. 
I do not have the specific dates since I can not bring up a bank statement that goes back past XX/XX/XXXX. 
I spoke to multiple customer service reps in XXXX and in XXXX about why more of what I had paid had not been applied to the loan since they claimed it was to eliminate interest charges yet that is where 2 years of payments ended up going was to interest and not my loan. 
There is no way to pay off this type of loan and when I lost my job and had to go on unemployment I could not pay any of my bills except rent due to the amount of my unemployment payments which were less than {$350.00} a week..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ct XXXX, Ga, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Urgent Dispute of Unauthorized Inquiries and Incorrect Addresses on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute several items on my credit report that are causing significant harm to my creditworthiness. These inquiries have negatively affected my credit score and contributed to repeated denials of credit applications. Please investigate these inquiries and remove any that can not be verified as authorized. 
Disputed Inquiries : XXXX XXXX XXXX  - Original creditor XXXX XXXX ( XXXX XXXX, 2024 ) Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  GA XXXX Please investigate the origins of these addresses and remove any that are not associated with my actual residence. I have never resided at these locations. These inaccuracies may be due to reporting errors or identity mix-ups and must be corrected immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or unauthorized. I respectfully request that you complete a thorough investigation of these issues and provide me with a written response detailing your findings and any corrections made immediately. 
Enclosed are copies of my credit report with the disputed items clearly highlighted, along with identification and any other supporting documentation. If you require further information, please do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 



XXXX Account # : XXXX XX/XX/2020 showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly. 

XXXX and XXXX have already deleted these late payments weeks ago. I need these late payments deleted or shown as paid.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have contacted Citi Bank numerous times regarding inaccurate information on my credit report. Despite never having missed a payment on my credit card and never carrying an outstanding balance, my report shows a balance of {$350.00} and missed payments. This is not possible, as this is a secured card with a limit of {$200.00}. I demand that this account be updated to reflect " paid in full, never late '' or that it be removed entirely if these inaccuracies can not be corrected. I have reached out to them multiple times and have not received any response, despite also calling them. 

XXXX XXXX Account- CITI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom might concern, My name is " XXXX XXXX ". I have tried to report incorrect information in my account but it has no success so far. I noticed there are most of the addresses that are listed in my credit report are incorrect. 
XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX *** I demand removal of all these addresses as they are not belong to me and our businnes. These inaccurate information above is preventing me from improving credit. 
**** Please investigate these " auto loan " and " other loans " and delete all the disputed items withn 30-45 days in the regulation times as i will be validating all debts from these creditors and never stop enlarging my complaint until my request are done so. 
In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) '' Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. ". However, I have never received writing mailed or disclosure about any of these loans. The credit bureaus violated seriously FCRA laws which means all of these inaccurate loans have to be removed off my credit account " '' '' '' ****. 
***Auto Loans ***!!! XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX!!! XXXX XXXX XXXX Reported : XX/XX/XXXX ***Other loans**!!! OTHER LOANS *XXXX  XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX *XXXX  XXXX Reported : XXXX XXXX, XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX There are no information contact update by this creditor. This account would be intensionally put in my report for the credit bureaus personal-benefit. 
!!!!! DELETE IMMEDIATELY!!!!!! 
****Credit card!! 
XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX  XXXX/ XXXX XXXX XX/XX/XXXX *XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX!!! These credit card account are not BELONG to me. In all this account show that i late for all payments. However, i never never miss all my credit card payments. 
!!!!! DELETE IMMEDIATELY!!!!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent
Product: Credit reporting, credit repair services, or other personal consumer reports

Was denied on information from XXXX XXXX on XX/XX/XXXX. Information was sent to XXXX XXXX on XX/XX/XXXX. 

Calls for answers, credit report requests, and specific reasoning for given score ( XXXX ) have gone unansweredrobocall recommends leaving messages ( left two separate messages ). Far below and out of line with all other credit scores from independent providers. 

Intentionally opaque and against multiple aspects of the FCRA, including : Access to my Report Protected access to entitled parties Knowing when my Report is used against me
Product: Debt collection

The debt collector calls me everyday, not just once a day, but multiple times a day, including weekends. They ask for XXXX different names that I have no connection with, and do not know. They are very rude over the phone, before I can explain to them that they are calling the wrong number, they hang up and I can never explain it to them. When I call back to see what they are calling for, they will not tell me who they are and what company unless I first tell them my information. So I had to backtrack their phone number to find out who they are. 
They company is Coachella Valley Collection Service Located in XXXX XXXX, CA Phone number : XXXX
Product: Payday loan, title loan, or personal loan

After reviewing Virginia Law in regards to these predatory loans I contacted XXXX XXXX and uploaded documents asking them why they are continuing to take these payments from my checking account since this loans exceeds the 12 % interest maximum in Virginia and that I had already paid the principal of the loan and well over 12 % interest. The organization does not operate in Virginia that I can find. The individual stated she was a manager and stopped the auto pay however, she stated I would still be responsible for the money owed. If I continued to pay this loan I would have paid over $ XXXX in interest on a {$5200.00} loan. She also stated that they would report to the credit bureaus if such payments were missed.
Product: Debt collection

I received a letter a few weeks ago from a debt collector apparently trying to collect charges from 2007 when I originally purchased my house. I have looked up Nevada law and the statute of limitations for collections in Nevada is either 3, 4, or 6 years, depending on the type of debt. A debt from 2007 would fall outside this period, and thus, the collection company needs to stop contacting me. Additionally, they had a man come to my house with a " certified letter '' that threatened that they would file a default judgement. This is illegal as they have no standing to bring a case in Nevada as this is outside the statute of limitations and having a collector come to my house is harassment.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. CCB/LNDINGCL 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An XXXX amount showed up in XXXX XXXX alert from XXXX XXXX 
Two days ago. I had not had direct tv for years. I am trying to close on a house so been monitoring closely. 

So I called number to find out what this was. Apparently it was a bill -from years ago which they would not answer when this first occurred ( the credit repair company rep asked on a three way call. The company had my old address from where I lived ten years ago and I was never notified of this bill. 


I paid the amount and asked for it to be deleted. They would not. 

I am not contacting consumer finance to assist in this matter.