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

BBVA has not provided me with a closing statement with my available funding for the month of XXXX, and XXXX and they're claiming that I had {$15.00} in my account when in fact, my available balance should have been around {$3000.00}. There are multiple laws that they broke during this process and I'm suspecting fraudulent activity within BBVA bank 's system since they're not providing me with clear story of what happened, nor has given me closing statement balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : XXXX is reporting no late payments, XXXX is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and Equifax is reporting no late payments, XXXX : XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX  Account Number XXXX XXXX and Equifax is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I have reviewed my CONSUMER reports and i noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX, and Equifax via dispute by mail to only receive a response stating that the dispute was not done by me, which is false. I notified all 3 bureaus that I never had credit before and that I always paid cash for everything and now that I am older and most things/creditors require you to have credit, after obtaining a copy of my copy report only to find out that someone has been fraudulently using my credit already. I requested that the bureaus remove the fraudulent information from my report which is XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  which has been has been assigned to 2 different collections ( XXXX XXXX and XXXX XXXX XXXX ) that are not authorized to collect debts in the state of Tennessee. I filed a Identity Theft report with the Federal Trade Commission which is attached along with proof of the collections company that are not licensed in the state of Tennessee.
Product: Payday loan

I received a loan from Advance America, XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, XXXX, Fax XXXX. I got myself trap in the unrelenting cycle, but paid as required every month. My wife lost job and I had to make some financial decisions. I am on a small SSI income. My first order of business was to find a way to get out from under this cycle. I found a program thru a debt relief XXXX. They contacted Advance to negotiate an agreement to paying off the loan. Advance refused to speak with them even under a POA. We could not understand why. XXXX contacted me and ask me to go in a request a rect of balance and fax it to them, they in turn would cut a check and mail it to Advance attached to rect. I contacted Advance and they would not give a rect of bal unless I came in and made arrangements to pay the bal of {$500.00} off. I explained to them again my situation and I was not trying to renig on my obligation but getting help to pay them off. They refused to speak further on the subject and refused to mail or allow me to come in and pick up the needed rect of bal. Is there not some law that at least allows the consumer right to request documented proof of what is owed? This can be resolved today if they would give me that rect. it seems they are trying to keep me locked in to their contract. What can I do? XXXX said Advance told them they would not talk or give them anything, even with a POA. I feel I am being manipulated and my rights are being violated when I have resolved a means to this end. Thank you, can you help me resolve this matter? XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never gave permission for this company to pull my credit, and this inquiry is unauthorized. It is crucial that you remove this fraudulent inquiry from my credit report immediately.
Product: Credit card or prepaid card

Fraudulent purchases were made using my stolen Navy Federal debit card. Location of purchases and amounts of purchases are inconsistent with purchase history. For example, purchase history since the date card was acquired years ago ( over 400+ purchases ) shows no purchases at XXXX XXXX Yet person who stole card went to XXXX 11 times in 14 days. I asked to be reimbursed for the fraudulent purchases via website. Was denied, but not given reason for denial. Submitted additional information via website and was denied on second review, but again, no reason given for second denial. Met with branch manager to gather more information, but they could not tell me why denied again. Spoke with fraud department twice via phone and they could not tell me why my claim was denied. To date, no explanation as to why I was denied. I was told I could submit a third appeal, but without knowing why previous claims were denied it is impossible to prepare another appeal that will be effective. Banking laws should be changed to protect consumers and give them due process when they become victims of fraud. Navy Federal should be made to explain how they reached their conclusion since it is my money that was stolen.
Product: Credit reporting or other personal consumer reports

Im accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 usc 1681 section 602 a states I have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with the three major credit reporting agencies since XXXX of XXXX. I had noticed that information was not reporting 100 % accurate when I had reviewed my credit report so I requested for an reinvestigation to be done on this disputed accounts. So XXXX had verified one particular account number while Equifax claimed to verify a different account number which were shorter in digits. XXXX never provided results. When that happened, I went straight to the furnisher and disputed both verified accounts pursuant to my rights to do so under the Fair Credit Reporting Act under section 623. I also requested that the furnisher provide me with the original contract for the verified accounts and they failed to do so. I then gave the furnisher notice of their failure to verify the account and the letter got returned to me though my previous direct dispute letter did not. I attached it to the documents submitted with this complaint. 

When the furnisher failed to verify the disputed accounts, I reported them to the Federal Trade Commission for identity theft. After I got my FTC report notarized I sent a identity theft dispute to all three major credit reporting agencies on XX/XX/XXXX via certified mail. The tracking numbers are as follow : XXXX tracking # : XXXX ; XXXX  tracking # : XXXX ; and Equifax tracking # : XXXX. See attached. Equifax, XXXX and XXXX all received my identity theft dispute letters no later than XX/XX/XXXX. 

According to the FCRA the credit reporting agencies were to block and delete the disputed information within four days of receiving my identity theft dispute letters but according to my most recent credit reports, the disputed account has not been blocked or deleted. XXXX claimed to have verified the account again but that is impossible when the furnisher failed to verify the account when I disputed it directly with the furnisher. XXXX also failed to do the investigation within 30 days. Equifax and XXXX never sent me results for my identity theft dispute. 

This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. The credit reporting agencies also violated 15 U.S.C. 1681c-2 ( a ) which states, " a consumer reporting agency shall block the reporting of 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 by such agency ... '' And Equifax and XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) because my investigation took longer than 30 days to complete and they failed to send me my dispute results.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

The debt was charged off by XXXX XXXX, and I formally request that XXXX XXXX XXXX cease all collection efforts immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease communication with me upon written request. Additionally, I dispute the validity of this debt and request validation as required by 15 U.S.C. 1692g ( b ). Any further contact beyond providing verification of the debt will be considered a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Product: Credit reporting or other personal consumer reports

Transunion is reporting accounts that are more than XXXX years and should be deleted from report. I have included the contract I made with a debt consolidation company in XXXX  which shows the last activity was XXXX of XXXX  and all the accounts that were enrolled and are more than XXXX  years and should not be reporting. XXXX and XXXX both deleted the incorrect information. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX that have to deleted
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX  RE : Immediate Removal of Inaccurate XXXX XXXX Account Information Dear Equifax, This letter is to formally dispute inaccurate information on my credit report regarding an XXXX XXXX account previously identified by a scrambled account number ( XXXX ). 
Dispute and Violation of FCRA : According to my credit report, an XXXX XXXX ( XXXX ) account appears with inaccurate and unverifiable information. I have received recent correspondence from XXXX XXXX ( attached ) dated XX/XX/XXXX, clarifying the account details. Here 's the discrepancy : Credit Report : Lists an XXXX account ( XXXX ) XXXX XXXX Response : The letter from XXXX XXXX identifies the account as a XXXX XXXX XXXX ending in XXXX and confirms it was charged-off, not closed as reflected on my credit report. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b ( 2 ), which mandates accurate and verifiable information on credit reports. 
Demand for Removal : Given XXXX XXXXXXXX XXXX confirmation and the discrepancies identified, I demand the immediate removal of this inaccurate XXXX account from my Equifax credit report. Furthermore, I am aware that the FCRA allows for a potential fine of up to {$1000.00} per violation. Considering you have verified this account information on three separate occasions ( attach copies if applicable ), the potential total fine could be {$3000.00}. 
Request for Verification and Update : To ensure accurate reporting moving forward, I request Equifax to : Immediately remove the inaccurate XXXX account from my credit report. 
Contact XXXX XXXX to verify the current status and details of the XXXX XXXX XXXX ending in XXXX ( if applicable ). 
Update my credit report with any verified, accurate information from XXXX XXXX. 
Documentation : I have attached a copy of the correspondence from XXXX XXXX ( dated XX/XX/XXXX ) for your reference. 
I expect a prompt resolution to this matter. Please confirm the removal of the inaccurate information and any updates made to my credit report within 30 days. 
Thank you for your time and attention to this urgent issue. 
Sincerely, Enclosures : XXXX XXXX XXXX ( dated XX/XX/XXXX ) Identification and address verification
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023
Product: Mortgage

The principal amount owed on my mortgage is {$190000.00}. The original appraised value of the home was {$250000.00}. I am still being charged for PMI each month even though my principal is below 78 % of the original appraised value. I called Seterus in XX/XX/XXXX and they told me that I would no longer be charged for PMI as of my XX/XX/XXXX statement. I was charged for XX/XX/XXXX and my XX/XX/XXXX statement shows that I am still being billed for PMI.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I discovered that there ais an inquiry on my report that is hindering my credit worthiness without my permission. This is in violation of 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Debt collection

This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA XXXX XXXX Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom I

t May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : Caine & Weiner, consumer adjustment company, midstate collection company, and national credit system.

I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 7 business days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XX/XX/XXXX.
Product: Credit card

Capital One charged me a late fee of {$25.00} on my Capital One XXXX card when I paid it in full on the due date. They said it came in a few minutes late and they are keeping the late fee. I have been trying very hard to get this waived but no one at Capital One is willing to help. They told me someone would be in contact but I have heard nothing. 

I have always paid my bill in full every month and have been a customer for six years. Now Capital One is trying to charge me late fees when I paid my bill on time and in full. I am appalled by this and want to report this XXXX XXXX They are trying to take advantage of their customers by any means necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 loans in 1 account. Two of the accounts are report as " collection ''. After calling XXXX they said the accounts are not in collection, and that they do not send accounts to collection. They would not change the status until I made the account current. 

From a consumer perspective, I make 1 monthly payment, into 1 account. It looks and feels like 1 account. When the account falls delinquent, they report all 8 accounts to the credit bureaus as delinquent. Every loan in the account has different payment structures and the way the payments are applied are very confusing to the consumer. I called into XXXX for an explanation and frankly it is not remotely similar to any experience consumers have with other creditors. It unfairly reports these delinquencies as multiple delinquent accounts causing severe damage to a consumer 's report. I believe this puts the consumer at a disadvantage.

The account manager ( I have the name ) admitted to me that the accounts are very difficult to understand unless you do it every day. He also said the DOE 's billing and payment methods are very different than that of other creditors. I work in financial services, and that just sounds very suspicious, and misleading to consumers. Please feel free to reach out for specific detail and examples.