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

I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX XXXX XXXX XXXX via CFPB on XXXXBecause i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XX/XX/XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to shop your way card, and according to CFPB on new terms, i have the right to opt out.XX/XX/XXXX said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new shop your way card.I also stated to XXXX, all i see is is shop your way adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new shop your way card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new cardXXXX then said you activated the card! .I told XXXX, I never activated the shop your way card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all complaint responses from XXXX, experian XXXXXX/XX/XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XX/XX/XXXX buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks XXXX something is wrong and what XXXX is doing is very wrong.XX/XX/XXXX stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXXXXXX XXXX has already been verified as INNACCURATE AND REMOVED from XXXX and XXXX. Transunion is still reporting this inaccurate account. I formally request this account be removed from my consumer report immediately due to this account being inaccurate. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ]. [ 15 U.S.C 1671 e ]. 

I attached my updated consumer reports from both XXXX and XXXX showing that it has been removed as well as the dispute results from XXXX showing that it has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!
Product: Credit card or prepaid card

TD Bank took my whole XXXX check which they claimed I owed them but they gave me no notice of the fact I was overdrawn in overdraft privileges and now my food stamps were cut and I can not afford to give the bank back XXXX as they caused this by sending my bank statement notices to XXXX XXXX XXXX my former lawyer. I told them tochangemy address XXXX XXXX XXXX but I was overdrawn and have these charges due to the bank notnotifyingmeproperly.
Product: Credit reporting or other personal consumer reports

According to the XXXX, canceled debt ( chargeoff ) is gross/ordinary income & Income DOES NOT get reported on a consumers report. Experian is reporting XXXX charge offs ( XXXX XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my consumer report which is XXXX my credit score. In return, I don't qualify for any assistance to get the necessary repairs that I need done to my home & I am at risk of XXXX XXXX XXXX XXXX due to these damages. 15 USC 1681e ( b ) states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 Wells Fargo Dealer S, XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Incorrect Employers : XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.
Product: Debt collection

XXXX, XXXX XXXX, XXXX XXXX, XXXX have all refused to validate or show any signatures or photo ids used in this fraudulent activity against me.What they report is untrue, incomplete, and inaccurate... in fact it's fraudulent and they know it.This is fraudulent what these entities are slandering my credit report with causing me great distress and and kaleidoscope of multiple other damages and the know it, can't validate, as it don't exist, it's not mine, and I do not owe them anything.In addition to their fraudulent credit reporting, thereby engaging in fraudulent activity against me themselves they in addition to the great damages they have caused have violated many rules and my rights.I have nothing to prove to them, their predicated and mandated to prove to me through validation which they have refused to do as they cant as it don't exist, it's fraudulent, it's not mine and I don't owe them anything.In addition after failing to adhere in good faith to the rules the have been told to remove as what they report is supposed to be accurate, complete, and truthful and its none of these in fact it's fraudulent.Theyve further violated multiple times more with Tate and Kirlin and have been officially put on notice of which they violated cease and desist among other dishonest tactics of trying to gain off of their intentional fraudulent credit reporting.Will not hsppen.They all have been put on notice for their dishonest fraudulent and damaging violations against myself.Remove all fraudulent credit reporting against me as you all have been put on notice and totally disregarded that as well which adds to the list of violations as and dishonest fraudulent damaging activity all entities listed above have engaged in blatantly with total disregard for rules and my rights or just honesty in general.Again stop engaging in fraudulent credit reporting against me.It is fraudulent, it is not mine, and I do not owe anything. 

In addition : All have been officially put on notice they didn't even have my address til they seen it on my complaint against these frauds on my CFPB complaint, at which time they attached my real address to their fraudulent credit report against me to make it look more credible, but were caught.You failed and your scam is exposed and has been put officially on notice you've all shown total disregard for still.This is not acceptable, its outrageous and disturbing and their dishonest fraudulent practices should never be allowed.All lies against me and my name will not be tolerated
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have ( for at least 5 years ) an excellent credit score with XXXX, XXXX etc. that is in the mid- to high XXXX XXXX. I have never applied for credit, and been denied. I recently applied for credit with XXXX, whose credit partner is JP Morgan Chase bank. I was denied - and told the reason I was denied credit was due to past debt with JP Morgan, Chase bank. NOTE - In XXXX I defaulted on a chase issued credit card. - Are they able to retain and use this in assessing my credit risk since this is from XXXX? < -- -- note this is NOT on my XXXX, XXXX, etc credit reports
Product: Credit reporting or other personal consumer reports

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. 

Reporting on my credit report is communication. 

Not to mention the highlighted inaccurate information attached below.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formation complaint that you are reporting inaccurate and incomplete credit information on my TransUnion Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for you reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : 1. XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo opened a checking account in my name without my consent and then charged me fees for not holding a balance in the fradulent account. This issue occured some time ago, but I am certain they have the records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 complaints with Equifax, one is dated XX/XX/XXXX & the other is dated XX/XX/XXXX. 

XX/XX/XXXX CFPB case # XXXX the following is what I wrote in the complaint : I am a victim of Identity Theft and monitor my credit report regularly. I recently viewed my Equifax credit report and observed several concerns regarding the hard hit inquiries on my credit report. My 1st concern is that a hard hit inquiry is still reflected on my credit report that shouldn't be and that is XXXX/XXXX dated XX/XX/XXXX. The hard hit inquiry is over 2 years old and is required to be removed since it's more than 2 years old. My other concern are hard hit inquiries that I don't recall authorizing. Equifax - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX CFPB Case # XXXX the following is what I wrote in the complaint : I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As of todays date EQUIFAX has not responded/answered & provide me the results of their investigation. Both complaints are over approximately 45 DAYS. As a result EQUIFAX is knowingly & willingly in violation of the Fair Credit Reporting Act & therefore I will file a lawsuit vs EQUIFAX in small claims court for {$5000.00} if I don't get confirmation from EQUIFAX ON OR BEFORE XX/XX/XXXX. 

The following inquiries need to be removed from my EQUIFAX Credit Report Immediately because they failed to provide me the results of their investigation with physical evidence & the name of the individual they spoke to and confirmed or unable to confirm that the hard hit inquiry was authorized and with permissible purpose by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following entities have accessed information unauthorized : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX
Product: Vehicle loan or lease

Someone used my information with Mercedes Benz Financial Services to receive a car in my name/ co-signer. I immediately disputed the inquiries from Mercedes Benz Financial and filed a police report and FTC report and these reports were sent to XXXX I never received a call back from them but I did contacted the investigator side of XXXX and they said oh we talked to XXXX XXXX XXXX and we stated I said it wasn't fraud! Not True! They contacted the person who stole my identity and he verified him as XXXX XXXX but it wasn't really me ( XXXX XXXX ). They removed the fraud account from my credit file and then put it back due to verifying the account with the man who stole my identity. Why would they call the mans cell number who used my information. Then they used a address in South Carolina and I live in XXXX NC.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute inaccurate information that is currently being reported in my credit report by your agency. I believe that my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) are being violated due to the presence of late payments on my credit report for the following accounts : ACCOUNT NAME- XXXX ACCOUNT NUMBER- XXXX INACCURATE LATE PAYMENT REMARKS DATE- XX/XX/2023 Late 30 days, XX/XX/2023 Late 30 days The inaccuracies stem from a violation of several key provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section of the law asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : It is my understanding that a consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section explicitly excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report.

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision.

Given the clear violations of my rights under the Fair Credit Reporting Act, I request that you take immediate action to correct these inaccuracies in my credit report. Specifically, I demand that all late payments for the accounts mentioned above be updated to " Paid as Agreed/Never Late '' without delay.

Please investigate this matter promptly and provide me with written confirmation of the corrections made to my credit report. I understand that you have 30 days from the receipt of this letter to complete your investigation, as mandated by the Fair Credit Reporting Act.

Failure to take corrective action within the stipulated time frame will leave me with no choice but to pursue legal actions to protect my rights under federal law. I trust that it will not come to that, and your agency will promptly rectify these inaccuracies.

I appreciate your immediate attention to this matter and look forward to a swift resolution. You may contact me at the phone number or email address provided above should you require any additional information. 

Sincerely, XXXX XXXX
Product: Debt collection

I was told that someone would come to my place of employment and get arrested if full payment was not made over the phone at that moment.
Product: Mortgage

I have had multiple occasions where LakeView Loan servicing has lied to me and my colleagues in regard to providing us with the necessary documents to close on transactions. We've had the borrower call and authorize us on the account time and time again. They've provided me with false promises even though i follow their instructions. I was given a fake phone number to call and file a complaint. The managers refused to speak with me even though i waited on hold for over an hour. 

They will keep stating they do not have authorization on file even though I've sent it over multiple times weekly with confirmations back from them. I know they've received my requests each time. They are keeping us from fulfilling our end of the deal on transactions and it is hurting our business.
Product: Checking or savings account

On XX/XX/XXXX, I made a purchase from XXXX through my checking account with Capital One. Please know the following facts, because I have direct deposit, Capital One allows access to my funds, 2 to 3 days before my actual pay date. In this scenario, I get paid on the last day of the month, which would have been XXXX. I made several purchases on XX/XX/XXXX that posted to the account by the XX/XX/XXXX and the funds were removed from my available balance. The purchase was presented to Capital One on XX/XX/XXXX and posted to account by XX/XX/XXXX. On XX/XX/XXXX the {$590.00} was removed from my available balance. Today, the XXXX seller refunded my transaction in the amount of {$590.00}. Today to my surprise, in my Capital One account it states that I had a purchase that posted today in the amount of {$590.00}. Capital One has removed these transactions from the log. When I called Capital One they stated the purchase I made only posted today. When asked where did the money go that was removed from my daily balance, they said that the transaction today was actually a credit and would be posted to my account in 10 days. This was the same information that XXXX said I should see a credit in 10 days. The issue is that this transaction caused a negative balance in my account. So I have direct deposit in this account, what will happen they will clear the negative take the XXXX again which will make three times and only give it back to me in 10 days? This is a XXXX XXXX XXXX, I am out of {$590.00} twice right now. XXXX states that they have proof that the money was refunded, Capital One says the transaction was a refund, that will not get posted to my account till 10 days, in the meantime the negative XXXX represents the original transaction posting.