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

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX Subject : Dispute of Late Payment on Account # XXXX To Whom It May Concern, I am writing to dispute a late payment that has been reported on my credit file. The relevant account details are as follows : - **Account # : ** XXXX - **Status : ** Open - **Credit Limit : ** {$0.00} - **High Balance : ** {$42000.00} - **Payment Amount : ** {$900.00} - **Last Payment : ** XX/XX/XXXX - **Term : ** 73 Month ( s ) - **Description : ** Joint - **Open Date : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Days Late : ** 30 : 0 | 60 : 0 | 90 : 0 - **Payment Status : ** 30 Delinq - **Past Due : ** {$910.00} I have carefully reviewed my records and believe that there is an error in the reporting of the late payment status. According to my records, the last payment was made on XX/XX/XXXX, and there should not be any delinquency on the account. 

I kindly request that you investigate this matter and correct the information on my credit report accordingly. It is essential for my financial well-being that accurate and up-to-date information is reflected on my credit report. 

Enclosed with this letter, please find copies of supporting documents, including bank statements or payment receipts, confirming that the payment was made on time. 

I appreciate your prompt attention to this matter and request that you provide a written confirmation of the resolution once the investigation is complete. 

Thank you for your cooperation in rectifying this matter. 

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

upon reviewing my credit there are inquires that are made without my permission this is not correct and fraud i never applied for any credit with any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal is holding funds of mine without cause. {$360.00} from a repeat buyer, funds have never been held before.
Product: Credit reporting or other personal consumer reports

Credit reporting is 7 years from the date of first delinquency! 

My student loans first delinquency date is XX/XX/2017. 

The accounts are past the statue of limitations and needs to be deleted from my credit report immediately. This is a violation of the FCRA. 

Account : Dept of ED/XXXX Account : Dept of ED/XXXX  Account : US Dept of ED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so  disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Product: Credit card or prepaid card

I was Notified the end of XX/XX/2022, that my zales account missed a months worth of payment in XX/XX/2022, which shouldnt have happened because I had The account in autopay, when I checked My bank acct the payment had successfully went through on my end. My emails showed that the payment went through but for some reason the credit card was showing missed after sending emails stating it had been paid! I have Bank transactions that show proof it was paid and deducted from my account! I have Been going back and forth with this company for over 6 months now about fixing this issue. 
They had a system upgrade which caused plenty of glitches to happens for a few months and this is clearly one of the issues. On my credit report its saying that I missed XXXX payment but then on another its stating I missed XXXX and XXXX was paid for. Both discrepancies are incorrect because they were both paid. Because of this my credit score has plummeted XXXX from a missed payment which is ridiculous! The company has yet to try and help solve this issue, they keep responding back saying they will get back with me soon, sorry for the delay. They keep asking for the same evidence to be sent over again and again. Its like they are hoping I will Leave it alone but I refuse To because this is not right! 
I am attaching all of my correspondence with this company to get this issue resolved properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX XXXX Automotive XX/XX/2017 TransUnion XXXX XXXX Bank XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX Bank XX/XX/2017 TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Two hard inquiries to my credit report on Transunion- significant negative impact to my credit report, which I am trying to improve so I might purchase a home. 
These two inquiries were made consecutively, without my consent or knowledge on XX/XX/XXXX, and XX/XX/XXXX, of 2019. They were made by a company called XXXX, from XXXX FL.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX  # XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX  # XXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted comenity bank to request a credit limit increase on XX/XX/XXXX. I did this submission online in my online account. So I did not get a response, so I called them on this same day and I spoke with a supoosedly supervisor. I explained everything and she said all I can tell you is that they will try to contact you concerning this so be sure to answer the phone. Well I have been thrrough this one time already back in XXXX XXXX with comenity and this Victoria secret card. They did the exact same thing and said the exact same thing and I waited and waited and no one ever called. So on yesterday I received a letter in the mail that says they tried to call me and could not reach me. THIS IS A LIE. No one has tried to call me and I have called all 3 of the credit bureaus to make sure my number is on my credit report because I knew prior to dealing with comenity they would say oh your number is not on the report. So I knew the number was on the reports. When I called morning and had to remain on hold for 35 minutes only to be told I would have to go through verification because this happens alot at comeity. The supervisor was rude and she confused me on one of the verification questions. She told me I would have to call XXXX   to have the fraud alert off my file in order to proceed. She acted like I was a problem and she did not want to deal with it which is very unprofessional because I am a loyal customer. Never late, pay over the amount needed and spend generous amounts of money with these companies. So I did call XXXX, got the fraud alert lifted and sent in a email that XXXX told me to send in stating the alert was lifted along with a confirmation number. So I call back and spoke with XXXX, explained this situation over once again and asked for a supervisot, she comes back to the phone after I am on hold for another 25 minutes to tell me that the supervisor XXXX would not speak to me and he said send in a utility bill to verify who I am.Which I have done but cant seem to get a answer from amyone now. Thats unprofessional as well when he is the supervisor, that is not how you treat loyal customers, if it was not for me having a card they wouldnt have a job, so dont treat people wrong and that is why I am upset.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XX/XX/XXXX {$810.00} XXXX XXXX XXXX XX/XX/XXXX {$620.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Checking or savings account

I deposited a check into Bank of America. In the past, the funds would be available the next day. People in the bank said they have a new procedure and placed a hold on the check. I deposited the the check on XXXX/XXXX/XXXX and the money was deposited into Bank of America. I wrote the check from XXXX XXXX XXXX and they told me the money was withdrawn. Bank of America received the money but it put a hold on my account. I do n't think it 's fair that they have the money and the hold is still on account. This has been a recent change with bank of america.
Product: Debt collection

On Saturday, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " XXXX '' credit bureau. However, on " Page XXXX of XXXX, '' under the " Account Review Inquires '' it unlawfully notes that a Debt Collection agency called " Diversified Consultants '' unlawfully accessed my " XXXX credit file and then posted a false " Collection '' notation on to it dated " XX/XX/XXXX. '' This " Diversified Consultants '' company intentionally violated my " Due Process Rights '' per the ( Federal ) Fair Credit Reporting Act because I was NEVER contacted in any way by this Debt Collection agency. Furthermore, it does NOT even state the alleged " Amount '' of Debt that it 's trying to collect NOR does it state " What '' type of Debt it is.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/scrub>XXXX AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the company claimed to have completed the investigation which seems to be fraudulent. By law, I am entitled to all information and documents used in the investigation which I have not received as of today. That is a breach and complete violation of my consumer rights. A copy of the signed loan agreement was requested which I also never received. I am also requesting a 1099-C form be distributed to me immediately since Check n Go claims to have discharged the debt. The 1099-C form should have been sent once they no longer had ownership over the account. The company continues to be neglectful in providing information about this account in a timely, professional manner. Check n Go has failed on multiple occasions when it comes to communicating and providing documentation. In a statement made by the company I was told For any additional questions or concerns related to her defaulted loan, we would advise XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which further proves this companys shady and fraudulent tactics since XXXX XXXX XXXX does not have ownership over said defaulted loan. Had Check n Go provided all information used in their investigation, and actually done an investigation that information would have been verified as untrue. This company had no problem communication via this platform, yet failed to communicate all details of its said investigation and previous actions.
Product: Debt collection

On XX/XX/XXXX - I was contacted on my cell phone by XXXX XXXX with Bryant Hodge and associates. He indicated that I owed a debt XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. I asked him if he would email me the details, I would then review them and get back to him. 

He sent me 3 different collection letters via email. One that was indeed XXXX XXXX XXXX in the amount of {$330.00}, another for XXXX XXXX XXXX XXXX in the amount of {$960.00} and the third for XXXX XXXX XXXX for {$510.00}. In looking at all three of these - they are addressed to a XXXX XXXX. My last name is XXXX and has never been XXXX. However, my daughter did have a stay at XXXX XXXX 6 years prior - so I investigated that debt. I found record in my credit file that I paid that debt to another collection agency ( XXXX XXXX XXXX ) in  XXXX, XXXX. It is now being reported as paid and closed on my credit report. 

I followed up with XXXX XXXX on XX/XX/XXXX with an email explaining XXXX XXXX XXXX debt was paid and the other two didn't belong to me citing wrong last name. I never heard from XXXX XXXX again. 

In XXXX, I started receiving phone calls from XXXX XXXX from the same company, Bryant Hodge and  XXXX. I contacted XXXX XXXX back and told him the same story above and that I closed this situation with XXXX XXXX. I asked him for a mailing address and I sent him the information I provided to XXXX XXXX along with a separate cover letter addressed to XXXX XXXX and I sent this RETURN RECEIPT CERTIFIED. I received the green postcard back signed by an agent dated XX/XX/XXXX. I never heard from XXXX XXXX again. 

In late XXXX, I started receiving phone calls from a XXXX XXXX - again from Bryant Hodge and associates. His messages were firm that " we had an arrangement set up and I'm surprised I haven't heard from you by now '' I can assure you, I never made any arrangements with him or anyone in his office. I returned his call to receive his voicemail and I told him we did not have an arrangement, I don't owe the debt, the last name is wrong and I've told two of his colleagues the same information and that he should not contact me again. Of course, I continued to receive messages from XXXX XXXX with the same message. Obviously, he did not listen to my message or chose to ignore the information so I decided to send him the email/information that I sent his other two colleagues, sending to both him directly and to the " support '' mailbox for the agency. I have not heard from XXXX XXXX since. 

However, this company seems to rotate their files to different agents about every 4 weeks. I am sure this is not the last time I will hear from this company so I am filing this complaint. All documentation is attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than XXXX  days have elapsed since I submitted my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Bank of America concerning a credit check on my account. They would not help me as I do not have any BOA accounts. 
The credit entry was done on XXXX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed Two payment the XXXX XXXX  XXXX and the XXXX XXXX XXXX in the amounts of {$120.00} To XXXX XXXX for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.
Product: Vehicle loan or lease

On XX/XX/XXXX I received a letter in the mail from HONDA FINANCIAL SERVICES about the unlawful repossession of my vehicle, within the letter it clearly states we have the collateral, and if the vehicle is sold for more I would get the extra money. This letter confirms my CFPB complaint # XXXX made earlier on XX/XX/XXXX this is a fraudulent loan and the XXXX XXXX XXXX has already been paid for as this was apart of a consumer credit transaction pursuant to 15 USC 1602 ( i ) .HONDA FINANCIAL SERVICES is also in receipt of my cease and desist as HONDA FINANCIAL SERVICES hired an unauthorized third party RECOVEY DEPARTMENT ( company name ) who is not a party listed on the contract or a witness to the contract as HONDA FINANCIAL SERVICES has now infringed upon my right to privacy and has organized the theft of my vehicle in which RECOVER DEPARTMENT is in possession of stolen property. This has cause a major inconvenience to my livelihood as Ive had to rent a car in order to continue my normal day to day operations.