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

Capital one stopped processing direct deposits and other deposits from the Wednesday the XXXX until now due to a third party processing issue. I still am missing my deposit and due to this, I wasnt able to pay XXXXXXXX XXXX Credit card due to not having enough cash in the checking account. This is unacceptable and capital one still has a banner saying there are still issues with deposits. Im currently missing a deposit in the amount of {$160.00}. The automatic payment from XXXX XXXX  was for {$790.00} and would have gone through if capital one would have processed the deposits correctly. I will incur a fee from XXXX XXXX  due to this.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) XXXX -- XXXX ( XXXX  ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company XXXX Trans union. Please delete the following accounts Account name- XXXX  XXXX Account number- XXXX Balance- {$510.00} Account name- XXXX XXXX Account number- XXXX Balance- {$3100.00} Account name- XXXX XXXX Account number- XXXX Balance - {$1800.00} Account name- XXXX  Account number- XXXX  Balance- {$180.00} Account name- XXXX XXXX Account number- XXXX Balance- {$1000.00} Account name- XXXX XXXX Account number- XXXX Balance- {$300.00} Account name- XXXX XXXX Account number- XXXX Balance- {$16000.00} Account XXXX XXXX Account number- XXXX Balance- {$260.00} Account name- XXXX Account number- XXXX Balance- {$850.00}
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice for Each Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lincoln Technical Institute continues to report my payments as late although they are being paid prior to the 30 day delinquency period. They are reporting my payments for XX/XX/2020 and XX/XX/2020 as 30 days late when in fact they were not 30 days late! The payment date for both payments is the XXXX of each month however I was told by my account manager XXXX XXXX that if I pay prior to the last day of the month, no negative report will be made. I paid XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX both prior to 30 days after my due date. I called them and they advised me to dispute it. This is a disservice because they are reporting these payments as 30 days late and refusing to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote myself a check from my XXXX Bank account to be deposited into my Bank of America account. The account was {$3000.00} so that I could pay my mortgage. Bank of America took more than a week to clear the check. By the time they approved the check, a small bill had been pulled automatically from the XXXX and caused my check to bounce by the time the Bank of America cleared the check. This resulted in Bank of America trying to pull the check AGAIN. I was the negative {$6000.00} in the XXXX account because of Bank of America. I called them and asked them to STOP pulling the check repeatedly and to just clear the check so that I could use my own money. They closed my Bank of Account, resulting in me losing so much money. They refused to explain to me why they were closing my account and I tried to get answers and they wouldn't. Thus, I became behind on bills, had overdraft fees, late charges, etc. In total I lost hundreds of dollars from their lack of communication and negligence. At the end, I owed them no money, and in fact, they had to issue me a check back with my balance. 

WORST OF ALL : No Bank will open a bank account with me now. And I can't understand what Bank of America did to me to cause this. I am now flagged with XXXX XXXX XXXX for an UNKNOWN reason for something I never intended or did. I just wanted to move my money from one account to the other. I need to open a bank of account and this has affected me negatively financially and they're response has been, " We do not need to give you an explanation. '' I AM SHOCKED.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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 told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 have yet to receive documented confirmation or methods/procedures used to initiate these inquiries from XXXX - XX/XX/2023 ; XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau has listed Tax Liens both Federal and State as well as a discharge in Bankruptcy which is clearly inaccurate and fraudulent. They have indicated that the XXXX County Recorder of Deeds as well as US Bankruptcy court have provided them with negative public record as seen on my report. I have enclosed documentation which show the credit report as well as documentation from the court system that indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. Equifax receives its public information into a database and then sell it to the credit bureau. THIS is a violation of the Fair Credit Reporting Act to report false information. It is also considered false information on my credit report by claiming to get information from a Court or Recorder of Deeds when it is actually obtained from a 3rd party. Multiple letters were sent to Equifax who indicate that there information has been validated and refuse to remove these items from my credit report. 
Public record : Court Name : Federal Government Date filed XX/XX/2012 Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

My balance was a positive and then they charged an overdraft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Debt collection

This is my daughter debt and they want me to pay the bill. Which I feel is unexceptionable. My daughter had an agreement with them to pay not me. Even though I helped her to get the vehicle. This debt is messing me up on trying to get something else like to purchase a vehicle for myself. Please help me with this situation. My daughter name is XXXX XXXX and they need to go after her and not me. When shes was the one to setup payment with this organization not me. Credit Acceptance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

My chime account was drained when someone used my card information to make over 15 purchases to XXXX in the amount of nearly {$1700.00}. I believe someone got my card information when I had my screen repaired on my phone. When I became aware of this going on, I contacted Chime. They were supposed to have blocked any more transactions from crypto.com but didn't which resulted in almost {$500.00} more charged to my account. I have submitted all kinds of information to them trying to win this claim, but they have denied me every single time, resulting in almost 2 months of fighting, countless hours wasted and still have not received my money back. I did some research into crypto.com, which i DO NOT have an account for. I discovered that they have to have all sorts of personal information in order to create an account there including picture ID, SSN, name, birthday, etc. Chime refuses to refund my money stating that they contacted the merchant but they can not show me proof. I know for a fact they have not contacted the merchant or they would clearly see that the account that was used to steal my money was not me or related to me in any way. This whole situation has caused me to not be able to pay bills on time, buy food, and even was a major reason I was not able to buy XXXX presents for XXXX XXXX  and XXXX kids. This whole thing should be cut and dry case showing that they clearly owe me a reimbursement, but I feel they are refusing to simply because they can.
Product: Debt collection

I was not the one that purchased this finance on this vehicle. I was aXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reported to all the credit bureau information l don't owe. Which l request a bill with name. As proof instead the XXXXXXXX XXXX send bill instead they provided written letter Who also hired XXXX collections agents and also collection agencies name XXXX whom also request same amount money. Whom provided XXXX with the Name on the account which doesn't match which 2 or three different names. Then XXXX XXXX on the XXXX .my Wisconsin Driver license attract
Product: Vehicle loan or lease

I signed a promissory note and security agreement with XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX. My contractual payments were automatically withdrawn from my checking account. However it seems that my loan was transferred to Santander Consumer USA in XX/XX/XXXX. As far as I know the terms of my contract did not change, but automatic payments were unilaterally terminated without my notice ; which resulted in my car being repossessed by Santander Consumer USA on XX/XX/XXXX. 

I did not agree to have my payments terminated, nor did I ever agree to any terms with Santander. The reason I had automatic withdrawals set up was so I did not have to worry about my payments. At the same time it would not occur to me that payments were not being made. If the transfer to Santander had never happened I would not have defaulted on my loan and my car would not have been repossessed.
Product: Debt collection

I was in the process of refinancing my mortgage and discovered a {$35.00} debt from Eastern Account System ( EAS ). I contacted EAS on XX/XX/19 and spoke with XXXX to have this deleted from my credit report, and was told that if paid, EAS can not delete from the credit report. 
Contacted EAS on XX/XX/19, and spoke with XXXX in second attempt to have the {$35.00} debt be deleted from my credit report, and was told " the only thing they would do is show a paid in full with a {$0.00} balance. '' Asked to speak to a supervisor, and spoke with XXXX, and was informed that EAS could not delete the {$35.00} debt from my credit. 
I have never received any communication of this {$35.00} debt, nor did I receive any communication stating the {$35.00} debt would be put on my credit report, which has negatively impacted my credit score
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries listed on my credit report. I believe these inquiries were made without my authorization or are otherwise inaccurate or unlawful under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed the following hard inquiries that I believe should be removed due to lack of authorization : Inquiry XXXX : ** [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX  ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX  ] [ XX/XX/XXXX ] ( Include additional inquiries if applicable ) Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 604, a hard inquiry may only be placed on your credit report when you provide consent. If any of these inquiries were made without my consent or were not initiated by me, they are in violation of my consumer rights and should be promptly removed. 

Please investigate these inquiries and remove them if they were unauthorized. You are required to complete your investigation within 30 days and provide me with the results of your findings. 

Additionally, I would like to remind you that under the FCRA, I have the right to request that any information found to be inaccurate, incomplete, or unverifiable be deleted from my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX {$14000.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX {$1000.00}
Product: Payday loan, title loan, or personal loan

Due to COVID I have been furloughed since XX/XX/2020. I have been in constant communication with 24/7 Advance Financial and revoked all auto pays. This company has taken money out of my account on two separate occasions that I did not authorize and I now can not pay my rent nor feed my children. 
XX/XX/2020 POS Debit - Visa Check Card XXXX - ADVFINANCIAL XXXX TN POS - {$190.00} ( Unauthorized ) POS Debit - XXXX Check Card XXXX - AdvFinancial XXXX TNUS POS - {$360.00} ( Unauthorized )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to Experian on XX/XX/2022 regarding some inaccuracies I found on my credit report with the following accounts. I have not received anything from them and would like the following accounts removed as it is hurting my credit score significantly XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Below is the letter I have sent them along with proof of ID and residency
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.