23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As A Federally Protected Consumer, I'm Exercising My Consumer Rights to have Resolved Inaccuracies and Unfair Activities in concern with my Credit Reports. I Am Requesting to OPT OUT of ANY and ALL authorizations I the Consumer may have given you written, non-written, verbal and non verbal per 15 USC 6802. I'm Rescinding that Authorization per 15 USC 6802. According to 12 CFR 1016.7, states that a consumer may Exercise the Right to OPT OUT at any time. According to the Fair Credit Reporting Act, 15 U.S. Code 1681- Congressional findings and the statement of purpose. Accuracy and Fairness of Credit Reporting the Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This is effective immediately and indefinitely. I have attached to the report a copy and circled the Inaccurate Findings on My Credit Report with XXXX, EQUIFAX XXXX XXXX.
Product: Debt collection

XX/XX/year> XXXX XXXX ( XXXX XXXX XXXX ) I requested a copy of any signatures, contracts identification all documents an parties involved, company gave me no response.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, Attn : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX Chex Systems , Inc . 
Attn : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX www.chexsystems.com Toll Free : XXXX Subject : Urgent Dispute Identity Theft & Data Breach Corrections ( FCRA 605B 4 Business Day Compliance Required ) Consumer ID XXXX  To Whom It May Concern, This letter serves as a formal demand for the immediate removal of fraudulent accounts and inquiries from my ChexSystems report due to identity theft and a data breach. Both XXXX and XXXX have already investigated and corrected these issues, and I have also reported the incident to the Federal Trade Commission ( FTC ). 
Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), ChexSystems is legally required to block and remove fraudulent information from my consumer file within four ( 4 ) business days of receiving this dispute, along with proof of identity theft. Any failure to comply within this timeframe will constitute a direct violation of federal law.

Errors to be Investigated & Removed Within 4 Business Days : Source of Information : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, FL XXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$110.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX Source of Information : XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX Phone Number : Telephone Number Not XXXX Reported For : OVERDRAFTS ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXX Drivers License XXXX State XXXX Date of Closure : XX/XX/XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$1900.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$130.00}
Product: Credit reporting or other personal consumer reports

I did a total number of four dispute the company responded four times but they did not change anything XXXX XXXX XXXX
Product: Debt collection

Account info Account name H & R ACCOUNTS INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$XXXX} past due as of XX/XX/year>. 
Status updated XX/XX/year> XXXX {$XXXX} XXXX updated XX/XX/year> What is above no idea what is going on, they claim I owe money to them which I didn't know or have dealt with before, and even if they claim a medical bill it shouldn't affect my credit based on federal law. 
I really feel there is a deal between these collecting companies and who is responsible for evaluating the credit that forces people to pay. 
I have been paying my debts on time for XXXX  years and my credited history is clear
Product: Credit card

On XX/XX/year> I signed up for a credit card with XXXX and was told after XXXX payments My credit limit would increase to a XXXX They returned My XXXX scheduled payment after I had the next day to confirm if the payment had gone through. 

After XXXX  months, they refuse to increase My credit limit. And they falsely advertised when I signed up; and they refused to do anything to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Student loan

I am a cosigner for my son. I have a good credit rating so I am making sure the loan is paid. I do n't deny payment is due but the phone calls are out of hand. I will get a call every hour, sometimes no one is there when I answer. They continue calling until XXXX Today, XXXX/XXXX/XXXX, I spoke with a customer service representative at XXXX central time and told her I would pay the amount due on Friday, XXXX at XXXX central. She wanted me to post date the transaction. I told her on XXXX separate occasions I had done that only to have them process the transaction immediately, causing problems with other payments and would not be doing that again. She supposedly made notes to my account stating the arrangements made. Literally XXXX minutes later I received another call from Navient requesting payment. I told the rep I had just made arrangements. There was nothing showing in file. We went through the whole post-date conversation again. I have tried to get assistance on some of the forgiveness programs but since it is private we do n't qualify. We have been paying on this loan since XXXX and have only dropped the balance by {$3000.00}. I would love to find a way to refinance and get away from Navient. I do n't know if they have internal communication errors or if they are just bullies but I am not a satisfied customer. Also, as a cosigner, I get a call when the payment is late but they want the next months payment at that time too. I refuse to pay it before it is due. I hope this is not the general practice of all student loan companies.
Product: Credit card or prepaid card

I had make a payment with an older bank account they charged late fee and Returned Online ACH Payme nt
Product: Credit card or prepaid card

I am currently contacting the credit card company to change the address on file the email options given dont work.
Product: Student loan

XXXX will not release my transcript.I withdrew from on line class.My grandmother passed away as well as I was sick with the flu.I was charged for ebooks that I never once looked at.
Product: Student loan

over the past year the company handling our loan, Navient, has raised the monthly payment from XXXX a month to ~XXXX. Submitted an application for income based repayment to be re-instated and was denied because my wife has XXXX income. We are married, we file jointly, and she has not worked in 20 years. Per the instructions I included my income on the form, and supplied paycheck documentation. Upon calling back today, I was told since my wife does not work we can not get income based repayment. We have had income based repayment on this loan for decades. This is messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX ( account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the Fair Credit Reporting act, XXXX XXXX ( account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

CapOne requires payments by XXXX XXXXXXXX XXXX on the due date of XX/XX/2023. I was experiencing internet issues ( nothing new ) and my payment was submitted between 4 to 8 minutes late on XX/XX/2023. Where I live, my internet and wireless service is EXTREMELY poor. I always pay my balances in full, on time and have excellent credit XXXX. I take exception to this usury and as a result, I was charged a {$29.00} late fee PLUS interest of {$12.00}. While the MAJORITY of card firms allow payments up till XXXX XXXX, an XXXX XXXX  cutoff is ridiculous and a money grab not to mention such a high penalty. The CapOne scripted rep, XXXX who I spoke with, said this is there policy and that's it. When I said I would be filing complaints and positing on social media, she wanted my to waste more of my time with her supervisor because I had threatened CapOne. Card firms are out of control and this needs to be addressed and fixed. It is neither REASONABLE nor FAIR to the many consumers today who struggle and get burred with these fess and charges while these institutions get richer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 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/XXXX
Product: Money transfer, virtual currency, or money service

I noticed that to buy the cryptocurrency XXXX, Coinbase said there was no fee highlighted in green on the preview screen. I clicked one button, the transaction went through, and there was a fee of more than three dollars. This was dishonest and misleading. I never would have bought it if I knew there was a fee. I have included the preview screen and the confirmation screen.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$8500.00} to my personal checking account. This check was written to take revenue from a business acct. at a different insitution. I am the sole proprietor of the business and the sole account holder. My funds were unrestricted for a short time, during which I used the funds to pay bills, etc. A few days later, the transactions were back-charged to the acct., and the acct. was restricted. So, now I have outstanding balances that I have the funds to pay, but no means to. I am accruing late charges on these accounts. 

I first contacted XXXX on XXXX. I asked their security team for any information on how this occurred, when this may be resolved, and what else I can to access my funds as quickly as possible. I received no answers. I contacted them again today and received absolutely no new information. I was told the inquiry would be escalated to an agent who can give me more answers, but I have not received any messages.
Product: Credit reporting or other personal consumer reports

This Dispute Letter is being submitted in light of the recent Overhaul of Consumer Records by the Credit Reporting Agencies. I have recently paid for a copy of my credit reports, looked at my credit file, as is being reported by you, and noticed there are several inaccurate, unverified accounts and/or items on my report. This means that the below-listed accounts were not opened by me and that I did not profit or gain anything from these accounts having been opened under my name. 
Additionally, this letter is a Formal Request to remove all other names, addresses, birthdates, social security numbers, or phone numbers that are not consistent with the above -referenced information and confirmed by the attached copy of my Driver 's License, Social Security Card , and Proof of Address. 
The below-listed companies have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else who did these that I did not know. 
They are listed as follows : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Product: Debt collection

I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
BANK OF AMERICA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom concern, I contacted XXXX XXXX via mail and asked to validate a account that they say is mine. I requested that they XXXX  XXXX send me the following proof as they are obligated to do in accordance with the debt collection practice act, section 1692g under the law they have thirty days to supply proof, XXXX  XXXX  did not instead placed a disagreement code with a resolution of dispute on credit file, that is not what the law says, I have not received validated information as i requested
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items as detailed below that are currently reporting on my consumer report that is a result of identity theft. I have never given written consent nor written instructions for the identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C 1681b this company does not have a permissible purpose to report this information. I am asserting that I believed this company obtained my personal nonpublic information by way of aggravated identity theft and in accordance with 15 U.S.C. 1681c-2 they must block the reporting information that is identified as a result of identity theft no later than 4 business days after the date of receipt.

My demand to block this information is not being made in error nor is this demand being made on the basis of misrepresentation of fact. The transactions are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I demand the following inquiries be blocked and deleted as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian is also reporting addresses that I have never lived at and phone numbers that I have never had. There are also inaccurate spellings of my name that are not accurate. Experian is required to report accurate and complete information and the below information is not accurate. 

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 SEE ATTACHMENT FOR IDENTITY THEFT REPORT AND IDENTITY THEFT AFFIDAVIT.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX CARD 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 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 XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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: Checking or savings account

I am involved in disputing a fraudulent unemployment claim that was filed under my name, and I had received a letter in the mail stating a checking/debit card was opened in my name, when I contacted the company they said this account that was opened was possibly something to do with the fraud unemployment claim. The company XXXX sent me a ID theft affidavit that I am in the process of filling out for them.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Product: Mortgage

On  XXXX  my wife and I executed a contract with Cash Call to refinance our mortgage. The Closing Disclosure forms that we signed indicated a total closing cost of {$2100.00} and cash to the borrower of {$11000.00}.     When the everything funded and closed, the closing costs had nearly doubles to {$4000.00} and the cash to the borrower was reduced to {$9400.00} These changes occurred without Cash Call informing my wife or me of the change. We were not asked to sign or execute a new contract or an addendum to the contract. As a veteran, specifically of the  XXXX   XXXX , I received what I thought was playful teasing about  XXXX  's and their relative intelligence as compared to a someone in other branches. I now wonder if this was in fact a true bias that has resulted is disparate treatment.     Bottom line is that I simply do not understand how a lender can make material changes to the closing costs and our cash out amounts after we signed/executed a contract.
Product: Debt collection

I corrected the account with the original debtor once I found out about the account. By that time it was sold to a collection agency but it states they will take care of it. I am a victim of identity theft fraud.