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

Sent my letter off on XX/XX/XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is all of the evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. The Credit bureaus stated AccountS were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal of these accounts : XXXX Account : # XXXX XXXX XXXX  Account : # XXXX XXXX XXXX Account : # XXXX XXXX Account XXXX # XXXXXXXX XXXX XXXXXXXX Account : # XXXX XXXX XXXX Account : # XXXXXXXX XXXX XXXX  Account : # XXXX XXXX XXXX XXXX Account : # XXXX Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well Please help keep these Bureaus to be held accountable this needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that according to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

INCCURATE AND UNVERIFIED INFORMATION IS BEING REPORTED ON MY CREDIT CONSUMER FILE
Product: Credit card

Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ZALES/CBNA ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
Product: Credit card or prepaid card

I was approved for a visa card with comenity on XXXX with a XXXX CL. I received my card in the mail on XXXX and on XXXX I went to use the card and it was declined. I called comenity and was told that XXXX days after my approval, my profile was reviewed again and they decided to close the account because of too many inquiries.
Product: Credit card

A credit card was opened at XXXX XXXX  without my knowledge on XX/XX/year>. I can see it reported on my XXXX credit report. I don't know what is the amount on the card but it says " High Credit : {$1500.00} '' on my credit report. I have never in my life applied for a credit card with this company.
Product: Money transfer, virtual currency, or money service

PayPal account was frozen and funds were placed on hold for 180 days. When I contacted PayPal they told me that they did not have to give me a reason for limiting my account. Ive submitted a dispute but have gotten nowhere. Its unacceptable for them to not give me reason why they are holding my money in my account. Please advise. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - Letter seeking validation of debt was sent XX/XX/2018 - Capital One sent a return letter saying they needed to research request and needed the following information : Account number on my credit report ; a copy of their return letter ; a copy of my original letter ; a copy of my credit report showing the information ; and my social security number and date of birth. I was asked to return it no later than XX/XX/2018 XX/XX/2018 - All relevant information was sent back to Capital One XX/XX/2018 - I filed disputes with the credit bureaus because it had been over 30 days and no response was given from Capital One XX/XX/2018 - I received the exact same letter from Capital One as above ( XX/XX/XXXX ). This time it was dated XX/XX/2018 and asked to be returned by XX/XX/2018 XX/XX/2018 - All relevant information was sent back again XX/XX/2018 - Capital One sent a letter noting that they had been informed of my dispute, however, they did not have enough information to fully understand the dispute. They again asked for the same information as their previous letters. 

XX/XX/2018 - All relevant information was submitted again XX/XX/2018 - After receiving no response, I check my credit report. This time it stated that Capital One validated the debt through the bureaus. I then sent a letter to Capital One offering to settle the debt at 65 % ( {$160.00} ) in hopes of them removing the charge-off status off of my report. 

XX/XX/2018 - I received a letter yet again from Capital One stating that they needed more information again to understand why I was mailing them. They asked for the same exact information again. 

At this point, I have no choice but to file a complaint. I have asked multiple times for validation of the debt. It took them longer than the required 30 days to respond to that initial request. Even after the time had passed, I continued to reach out to no avail. They eventually were somehow able to respond to the credit bureaus, yet they continue to tell me that they are not certain about my account. Even after offering to settle the debt, they send me information that they are not certain of my account. I have no other choice but to file this complaint.
Product: Vehicle loan or lease

XXXX XXXX in XXXX New Jersey. 
The Used car price was {$49000.00} plus tax. 
When I checked my finance documents because I was wondering why my payments were so high and for so long ( 6 years ) it says price is {$60000.00} plus tax. 
They added {$10000.00} to the sale price without me knowing and mixed into the my monthly payments hoping I would not notice. 
I have pictures from their website showing the {$49000.00} price. 
I am extremely upset and need assistance please. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. that I believe harming my financial well-being. I am aware of my rights under the FCRA and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the CFPB filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fall to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may mishandled in a similar manner.
Product: Credit card or prepaid card

XX/XX/XXXX Chime suspended my account they requested documentation all documentations have been provided to them attorney even reached out to them they failed to unsuspended account or provide me a refund for the funds that are in the account spoke to mini supervisor who keeps leading me in the same direction of sending email sending emails to Chime have very little communication just keep being so itll be resolved in 48 hours but over a week has passed my account is still locked I advise them that this situation is making me become homeless I have a hardship I receive a email back telling me if I keep emailing them it will delay the fact of them working on the account and they do have all documentation as that was required
Product: Vehicle loan or lease

Purchased a new XXXX XXXX XXXX and financed with Citizens One Bank. For the first two years I paid an extra {$1000.00} per month towards the loan. In XXXX I lost my job and fell behind three months payments. Since I fell behind the three months I have got  back on track and have made a full payment every month, so much that I now owe less than one months payment for principal and interest and will pay off the loan this month. 
Citizens One has tacked on an additional {$400.00} in late fees that they refuse to remove. I was out of work here in XXXX due to the pandemic however I still made a full payment every month. 
I am amazed that in this economic environment that bank will not work with their customers and wave the unnecessary fees that charged. XXXX knows they made plenty of money off the loan interest. Can you please speak with this bank about removing their fees. This is certainly not a good business practice with so many people out of work and truly hurting.
Product: Vehicle loan or lease

I had lease a vehicle from XXXX XXXX back in XX/XX/XXXX. I was a 24 months lease with monthly payments of {$640.00}. Lease was term was completed in XX/XX/XXXX. No missing payment or property taxes owed. Vehicle was returned almost XXXX miles under miles agreed. Vehicle was returned in great conditions. Today I received a letter from Toyota charging me a disposition fee of {$350.00} plus XXXX of sales taxes. When we got or returned the lease nothing of this nature was explain to us. We were not even given a copy of the lease agreement at the beginning of the lease. I when to de dealership today XX/XX/XXXX demanding an explanation from the sells man XXXX. He said to me the Toyota was charging me the fee because I no longer wanted to leased a vehicle from them. I find this observe and not legal. I going to be punish for not leasing another vehicle from them instead of being rewarded for completing the lease as was verbaly explained to me. I prepaid for milage and didn't use it. They made over {$700.00} of used milage and Im receiving a bill. When I returned the vehicle I ask Pitor is I owed anything else. He assure me I was all set. The nothing else was going to be charged and today when I asked him about the bill I received he did know what to come up with. I paid this company enough money already. Also I should not be penalize for not wanting to lease from them again. Please help me with this matter. These people made there leaving lying and taking advantage of consumer like me.
Product: Mortgage

Mr. Cooper purchased my home loan the last week of XX/XX/XXXX. I paid my mortgage payment of XX/XX/XXXX to my pervious mortgage servicer because I had not received any notification. A letter from Mr. Cooper dated XX/XX/XXXX was sent to me, but I did not receive it until XX/XX/XXXX. I followed the instruction in the letter to setup an online account. I discovered at that time, they had my account reported as " Past Due. '' I contacted them immediately and told them that I made the XX/XX/XXXX payment to the previous servicer. I was told they would not charge a late fee, but that I would be reported to the credit bureau if a payment was not received by XX/XX/XXXX. I made two XXXX payments and now I am responsible for the XXXX payment. I provided them with an account history, payment confirmation, and a bank statement and they still will not credit me for the XX/XX/XXXX payment. I have sent chat messages and made several phone calls and they have not resolved the issue. I provided the account history and payment confirmation from the previous servicer on XX/XX/XXXX through the secured messaging system on the Mr. Cooper website. I provided these same documents again along with a bank statement with the mortgage payment highlighted on XX/XX/XXXX through an email to XXXX after a CSR name " XXXX '' told me that nothing has been done with the previously submitted documents. I am always one payment behind because they will not give me credit for the XX/XX/XXXX mortgage payment. I can not afford to lose {$1300.00} because they purchased my loan and sent notice of this action after I paid the XX/XX/XXXX payment to the previous mortgage servicer. They refuse to work with me and only threaten to report me to the credit bureau if I don't continue making this extra payment month after month. I have provided all requested documents and made the extra payments to give them extra time to complete their work. They chose to buy my loan, and even though I had no choice in the matter, I am being threaten with Past Due notices and warnings about my credit when it all goes back to their negligence.
Product: Debt collection

I paid my medical bill in full XX/XX/XXXX. I started receiving phone calls stating that I had paid too much, and that I needed to submit a separate payment to reach the total. I have been receiving phone calls since XX/XX/XXXX, and with each call I request that they send an invoice to validate the debt. The phone calls increase in quantity and hostility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I'm filing a complaint with Experian. I wrote a letter on XX/XX/19 to Experian requesting the copies of the original source of the information reported including but not limited to, original contract of the service agreement with my signature. For 2 accounts that they had reporting in my credit report. ( XXXX- card service balance {$32000.00} and XXXX XXXX XXXX {$18000.00} collection ) This is something i can request and they must supply according the Fair Credit Reporting Act Section 609. In my request I had attached a copy of there credit report with these accounts and a copy of my current drivers license and my signed social security card to provide proper identification. There response was a generic account verified response for both accounts. In other words a complete disregard for my request. So on XX/XX/19 I wrote a second letter requesting method of verification with details and again the copies of the original source of the information reported including but not limited to, original contract of the service agreement with my signature. This is something i can request and they must supply according the Fair Credit Reporting Act Section 611. In my request I had attached a copy of My original letter and there response and a copy of my current drivers license and my signed social security card to provide proper identification. There response to my letter was clear. It is willful non compliance even if it means not following federal law. They claimed that they will not respond further due to Section 611 ( a ) ( 3 ) ( A ) in the Fair Credit Reporting Act. What that section states is the following " In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. " My request is neither Frivolous nor irrelevant nor lacking sufficient information to investigate! This is willful non compliance from experian. I have attached may pieces of evidence if more is needed feel free to contact me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my consumer report that is being reported to the credit bureaus. This is in regards to XXXX  XXXX Account Number : XXXX According to my records, the information beingreported is incorrect, and I request that it be corrected or removed. 

The following is the incorrect information on my account. The account the was originally charged off XX/XX/year>, has been reported as a charge off every single month since then. This is illegally reaging a debt that was written off years ago. 

Please be advised that under 15 U.S.C. 1692c, I am entitled to have accurate information reported, and I am formally disputing the inaccuracies on this account. I request that you conduct a re-investigation into this matter, and I ask that you provide the following : 1.A detailed explanation of the incorrect information reported.

2.The documentation you have to support your claim that the information is accurate.

3.A correction of the inaccurate information on my credit report.

If the information can not be verified, I request that it be removed from my credit report in accordance with 15 U.S.C. 1692e, which prohibits false or misleading representations.

If this dispute is not resolved in a timely and satisfactory manner, I will be forced to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue any legal remedies available to me. 

Please provide written confirmation of the resolution of this matter, and notify me once the inaccurate information has been corrected. 

Thank you for your prompt attention to this issue. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.
Product: Credit card or prepaid card

I fell that it goes against my privacy as a customer of any financial institution to up and pull my credit report which harms my credit for no apparent reason. Synchrony Bank/ Belk is one of the worst banks to do this and they should not be allowed to pull my credit without me knowing it. I have plenty of issues with my credit without them continuously pulling my credit report and changing my credit limit more often than not. 
They gave me the credit line in the beginning which started out like at XXXX and I ahve had the account for several years and somewhere along the long because of my impeccable record of not missing any payments gave me additional increases along the way which wound up being XXXX and since then I have run into some financial problems but continued to pay them and without rhyme or reason, a couple of years ago began reducing my credit line and I just found out thru XXXX XXXX not them not my statement nor any kind of written permission to pull my credit that they once again reduced my line of credit. 

Where does the customer ahve any rights? What does one thing have to do with the other? As long as they are getting their money they should not be allowed to touch my account in any fashion or form. Do I not have rights? Used to Banks did not pull these kinds of stunts and they should but the customer should have some privileges and what problems I have with another creditor should not be anything to them unless they are not getting their money can anybody help resolve the problem in general and to show you what I am talking about I will be sending you two statements from Belk which the XXXX shows I had a {$430.00} credit limit and now without notice or asking me this goes against my privacy and I am good mind to sue. Where is the privacy in this? I ahve not applied for new credit and I call them requesting them to look at my credit so is that not a violation of my privacy rights? The XXXX Statement shows a line of credit in the amount of {$320.00} and it was unbeknownst to me because I set the payment to be made on the date it is due. So I see my privacy being violated.
Product: Debt collection

They called me IQ Data International.. on XX/XX/18 I had no idea I had two things in collections..

The guy was screaming at me and using abusive language with me, threatening my credit if I didn't pay the full amount on that day.. he wouldn't even give me options to pay, or give me time to THINK HOW i was going to resolve the issue. 

I felt violated and highly disrespected.