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

I have consistently for several years been stating to Experian that they are reporting a credit card account XXXX XXXX on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account,  someone please help!
Product: Credit reporting or other personal consumer reports

I have a collection on my credit report that I did not owe! It originated from XXXX claiming I owed them money for a router that I mailed back to them! They sent it to collections and I wouldnt pay because I gave them their equipment back. I disputed the in with all 3 credit bureaus. 2 of them fixed the problem. XXXX XXXX would not. They have ignored me! Theyll keep me on hold when I call and send me XXXX  emails that amount to no changes to my credit report! They imply that if I pay for a subscription from them, all problems will be resolved. Please fix this extortion tactic. My credit, only on their report, has fallen by XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. 

Firstly, XXXX XXXX XXXX  XXXX reported a late payment on my account ( XXXX ) which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account ( XXXX ) as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXX XXXX  XXXX XXXX. has reported my account ( XXXX ) as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account ( XXXX  ) as being in collection, which is completely unfounded. This violation of the Real Estate S

ettlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damag

e to my credit score and my financial stability. I request that you investigate these inaccuracies and take appropriat
e action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report and I did not receive proper notification. If this company in fact believes that I received proper notification please provide the certified mail with a receipt bearing my signature on there stating that I received it at least XXXX  days before it appeared on my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report related to the account listed as XXXX ( Account # XXXX ). Upon reviewing my credit report, I have identified discrepancies in the reporting of this account by XXXX, Experian, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report must be accurate, complete, and verifiable.

Below are the specific discrepancies I have identified : 1. High Balance Discrepancy : XXXX and Experian report the high balance as {$7400.00}, while XXXX lists it as {$6100.00}. Please verify and correct the accurate high balance for this account across all reporting bureaus. 
2. Last Activity Date : XXXX lists the last activity date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. Experian does not include a last activity date at all. I request verification and correction of the accurate last activity date for this account. 
3. Resolution Remarks : XXXX indicates payment after charge-off/collection purchased by another lender, while XXXX states, account transferred or sold ; paid charge-off. These conflicting remarks suggest reporting errors, which must be clarified and updated with consistent, accurate information.

4. Last Payment Date : Experian reports a last payment date of XX/XX/XXXX, XXXX reports XX/XX/XXXX, and XXXX provides no last payment date. This inconsistency must be reviewed, and the correct last payment date should be uniformly reported. 
5. Payment History Reporting : XXXX and Experian provide no two-year payment history, while XXXX shows inconsistent statuses ( e.g., delinquent vs. OK ). This irregularity must be resolved to ensure an accurate record of the accounts payment history.

6. Account Classification : XXXX lists the account as Auto Dealers, Used, while XXXX categorizes it as Auto Financing. These conflicting classifications must be reviewed and corrected.

I request that you investigate the discrepancies listed above and provide me with a corrected credit report. Additionally, please supply me with documentation verifying the accuracy of the information currently being reported or remove any unverifiable information from my credit file in compliance with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. Please complete your investigation and provide me with the results within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

I keep getting calls from a debt collector XXXX or XXXX saying they are calling for advanced America when I called advanced America they say I dont owe them any money but this debt collector is very rude hangs up on me when I try to explain it and tells me I need to get a attorney because I am going to be sued and they are going to contact my employer.
Product: Credit card

I strongly believe that I was discriminated against, I have an XXXX XXXX XXXX score and this company declined me after I submitted my Driver 's License which has my photo, no other company requested this information and I have had colleagues with inferior credit get approved. Need this looked into ASAP.
Product: Debt collection

In addition to repeated and frequent calls, when I have reached out to them as well as the original debtor ( XXXX ), Trans world systems has continued to lie to me, telling me that I HAD to make payments to my account ( even though they have set up 2/3 debt collections from my Military Pay as well as taken 100 % of my tax return ). 

When I was told to file for hardship paperwork ( in order to get the 2/3 's debt payments reduced ) by the original debtor through Trans world, I contacted trans world and was told that they do not have hardship paperwork available that I would have to make payments to them only. 

I called the original debtor back and told them and was told that Trans world is lying to me and that I needed to call again to get the hardship paperwork sent to me. My contact at Trans World is XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a collection a collection account. 

ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud
Product: Student loan

I was never given an entrance exam to start college and I was told to get a private loan. After I used up the private loan they had me take out federal loans. I have asked Wells Fargo to help me since I ca n't afford to pay this loan, they refused to do anything. 

XXXX XXXX, Ohio
Product: Credit reporting or other personal consumer reports

I first disputed this account with Equifax in XXXX of XXXX, which included a written confession of my ex fiance admitting to opening these accounts in my name without my knowledge. Your response to me was I was not specific on which accounts. Again I disputed on XX/XX/XXXX I disputed these accounts with the specifics. In your response you stated you contacted the data furnishing company. In their response you stated their information to be accurate as reported. ( How was it validated? What connected me to these accounts? ) I requested a description of how the investigation was conducted along with the business name, address, telephone number and the person you corresponded with, date and time. You failed to honor my request but you replied with your Generic response of how you used various methods .again on XX/XX/XXXX I disputed it again SPECIFICALLY ASKING YOU to provide proof of a signed contract bearing my signature and address. You blatantly disregarded my request. The only proof of any transaction between me and the compaNIES providing the information will be a signed contract other than that its hearsay! You are in violation FCRA XXXX ( promote accuracy and fairness ) other than word of mouth you have not provided me with FACTUAL ACCURACY OF THese ACCOUNTs. Again on XX/XX/XXXX I disputed all negative items on my report and you responded to me on XX/XX/XXXX you advise me of the results of my disputes are in. How can you request the reporting company to verify accuracy of the information disputed and get a reply in less than 48hrs If Equafax received my dispute on XX/XX/XXXX how can you respond in 2 days with results of the investigation from the data furnishing company ( provided is the dated letter from you to me dated XX/XX/XXXX ). This will only mean an adequate and precise investigation was not performed which further proves your disregard for the federal law and inaccuracy. Im requesting again for you to provide me with accurate details of how you verified these accounts listed below to be true and accurate and validated!! ( What validate my connection to these accounts ) I want the name of the company the address. Of the company the name of the person you corresponded with to verify this information and what factual documents did they provide for you to assume it to be accurate and trueful. Do not I repeat Do not respond with your Generic response, please provide facts that connect me with these accounts! If you can not provide the details requested for these accounts Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX This will serve as my formal notice of my intent to file a complaint with the FTC XXXX XXXX and the CFPB due to your blatant and objectionable disregard of the law. To date you have not done your duty as mandated by law, your non compliance with federal law is unacceptable. If you continue to be non compliant. I further remind you that as in Wenger v TransUnion Corp. No.95-6445 ( C.D. Cal we pick XXXX, XXXX ) that you may be held liable for willful non compliance
Product: Credit reporting or other personal consumer reports

In accordance to FCRA, this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I may presume that no proof of the alleged debt exist. 

DPT ED/XXXX account number XXXX opened XXXX DPT EDXXXX account number XXXX Dpt edXXXX account number XXXX Dpt EDXXXX account number XXXX DPT/XXXX account number XXXX DPT/XXXX  account number XXXX DPTXXXX account number XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime around XX/XX/XXXX or XXXX XXXX 2016,  Wells Fargo closed a checking account that I had with and did not explained why they closed the account I also had a credit card with Wells Fargo. Once Wells Fargo closed the account, I had somewhere around $ XXXX- {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but Wells Fargo would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. Wells Fargo did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. Wells Fargo made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, Wells Fargo did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted Wells Fargo and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Dear Experian XXXX XXXX XXXX XXXX I am filing a complaint an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this dispute in accordance with FCRA regulations and take appropriate steps to resolve it promptly. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have requested my credit report from equifax credit bureau and I have found inaccuracies and other inaccurate information. I request that this information be either corrected or removed from my credit report and also update my fico XXXX  score. I have reported this inaccuracies before to equifax in XXXXXXXX XXXX XXXX and nothing had been done I have fixed certain accounts and equifax, XXXX, or XXXX has done anything. They are required by law to report accurate information across the board under 5 USC 1681The Fair Credit Act. I want these inaccuracies corrected or removed from my credit report.
Product: Credit card or prepaid card

My credit card payment was due XX/XX/XXXX. I am enrolled in auto pay for the full statement balance so as to incur no finance charges. On XX/XX/XXXXI changed my future auto pay dates to be later in the month. Since I made this change the day before my payment was to be processed I assumed this change would be effective for my next statement cycle and my XX/XX/XXXX payment would be processed as scheduled. The information on the AMEX site did not give any indication my payment would be canceled. In fact, the website instructs customers to make changes by XX/XX/XXXXor two days prior, presumably so they are effective for the current bill. Since I made my changes after this date, I thought my scheduled payment would be processed. When I reviewed my account on XX/XX/XXXXI noticed my payment was not processed and I had a late fee. I disputed this fee and got the fee reversed and also made a payment for the full balance as enumerated on the AMEX site. XX/XX/XXXXI noticed an interest charge of {$60.00} on my account. AMEX notified me it was because my payment was late. I explained the situation above. They even told me that those changes go into effect for the next cycle ( why then, was my scheduled payment canceled? ). They refused to reverse the charge or credit me the full amount. They also indicated that an additional interest charge would appear on my next statement, but could not provide the amount. I feel these are improper and unethical charges since a reasonable customer would assume, based on the information provided by AMEX at the time the change was made, that the scheduled payment would be processed and the customer would not be required to take any further action.
Product: Credit card or prepaid card

I was charged an interest fee after I paid my balance off in full. My balance is due on the XXXX and my bill recycles on the XXXX I paid the balance off on the XXXX but I was still charged an interest fee. I have paid over {$2000.00} in less than 30 days but I am being squeezed for an extra {$15.00} I have been a customer with capital one for over XXXX yrs. and they claim I'm a valued customer I don't feel very valued I feel like I'm being robbed. I called customer service they gave me a song and dance about how there is nothing they can do about it I just have to pay.
Product: Money transfer, virtual currency, or money service

I placed an online order for a car after hours on Friday, XX/XX/year> and immediately changed my mind and canceled the order. The web site confirmed that the order was canceled and even warned me that the car would then be available for sale to anyone else. The following Monday morning, XX/XX/year>, I logged into my checking account to find a pending debit of over {$24000.00} for XXXX. The only means to contact the company is via online chat, which I initiated right away. They repeatedly stated they can not cancel the order and I repeatedly asked that they escalate the issue to senior management. They eventually stated they canceled the order but could not cancel the transaction until it " clears '' and it could be XXXX days. I had my bank place a stop on the transaction and informed the XXXX chat that the transaction would not clear. Nothing was resolved during that chat and, as of this evening on XX/XX/XXXX, the transaction is still pending and no word from XXXX. Because of this, all of my checking account funds are stuck in this pending transaction that should never have taken place to begin with and certainly should not take XXXX days to cancel.