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

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 / XX/XX/XXXX However XXXX they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 on those accounts 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 XXXX, XXXX XXXX XXXX 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: Debt collection

I don't recall having a contractual relationship with this collection company SUNRISE CREDIT SERVICES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the XXXX Credit 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, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts 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 Balance : {$13000.00} ; XXXX XXXX Balance : {$13000.00}.
Product: Credit card or prepaid card

XX/XX/2018 I got an unexpected Membership fee of {$95.00}. If I did not look at my account regularly, I would not have noticed this other change. I tried to resolved with Citibank and could not. I am trying to close the account and might have to still pay the $ XXXX
Product: Credit reporting or other personal consumer reports

statute of limitations on reporting XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX fraudulent account have to be removed from all Credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my information to be stolen in their data breach. They have not contacted me to alert me about the breach, but I learned from the news and confirmed with their tool that my information was stolen - " we believe that your personal information may have been impacted by this incident ''. They sat on this information for 6 weeks, giving crooks plenty of time to sell or trade my stolen SSN, DOB, addresses, and other identifying information. An identity theft could ruin my credit for years to come.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied and was approved for the CitiBusiness / AAdvantage Platinum Select World Elite XXXX card. 

The card promised XXXX XXXX XXXX AAdvantage bonus miles after spending {$4000.00} in purchases within the first 4 months of account opening. 

I completed the spend during the second month of card membership, and was on track to receive the bonus at the time of the statement close. 

During XXXX ( the third month of card membership ), Citi closed my card suddenly, without any warning or communicating their intention, and without giving a proper reason. The closure letter stated that they detected behavior that was not consistent with how other customers use their cards. I only assume that were referring to multiple payments made to my credit card during my card membership. I had a perfect reason for these payments and in my view there was nothing that should have led to the account closure ( at least not before talking with me ). 

At the close of my most recent statement ( XXXX ), I was awarded some XXXX miles for the spending done during the last 30 days, but I was not awarded the XXXX points associated with completing the bonus offer requirements. I do believe that I am owed the {$65000.00} miles promised at the onset of the account opening, for which I met the promotion terms. 

The account was open and in good standing when the spending was completed and the terms were met. The payments were also made in full. Citi waits until the end of the statement close to award rewards, and they chose not to honor the promotion because they closed the account just before the statement closed. They did award the regular spend miles ( just over XXXX ) but not the promotion bonus. 

This is unfair and deceitful, and I feel taken advantage of. They've cost me my time, my spending, the opportunity cost of earning rewards with another credit card product, and of course they cost me a hit to my credit-worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. 
These accounts have been deleted from my other consumer reports. By law, Transunion is required to delete them as well. I have sent an FTC report to Transunion proving the accounts are fraudulent. By law, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. Transunion feels that is above federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus Experian, XXXX and XXXX of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # XXXX XXXX XXXX XXXX XXXX  XXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... 

*These XXXX accounts were identified as fraud and I have asked for them to be removed across all XXXX bureaus if they can not provide any information that these accounts were in fact mine. 

Account # XXXX XXXX XXXX XXXX .... 

*This account was categorized with the XXXX accounts above and was removed by Experian. Neither XXXX or XXXX has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to correct late open accounts on my credit report. Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. 

Over the past several months, I have made repeated attempts to address the presence of late open accounts on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open accounts persist inaccurately. 

I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Each time, I am assured that the issue will be investigated and corrected promptly, but the inaccuracies persist, adversely affecting my creditworthiness and financial opportunities. 

The presence of these inaccurate late open accounts not only undermines my efforts to maintain a positive financial reputation but also erodes my confidence in the credit reporting system. As a responsible consumer, I expect accurate reporting of my credit history to reflect my financial behavior accurately. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The prompt removal of all late open accounts from my credit report. 
Written confirmation of the removal and updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate account " XXXX '', account number is XXXX was removed from my credit profile on XX/XX/XXXX and re-inserted on XX/XX/2022. This illegal and against the FCRA guidelines. I will be suing and collecting reparations if " XXXX is not removed from my credit profile. This is an unethical practice. The credit bureau and I both know this is grounds for a law suit.
Product: Credit reporting or other personal consumer reports

Notice my credit inquiries are high and I checked them and some of these are not my doing or authorized them too do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

1XXXX XXXX  2.XXXX XXXX 3.XXXX XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 9.XXXX 10XXXX XXXX  11.XXXX XXXX XXXX   12.XXXX XXXX 13.XXXX XXXX
Product: Debt collection

Yesterday a significant negative report was made on my credit report by someone called XXXX XXXX. Upon investigation, I was told today that they bought an alleged debt from Kendrick Capital Resources. Neither company has any backup for the debt, can not tell me where it came from or what it was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX, Account XXXX, XXXX XXXX, Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX  Account XXXX XXXX XXXX, XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section St
ates : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Loan Type XXXX XXXX ACCOUNT Original Creditor XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Past Due {$520.00} Pay Status >Collection in accordance with the Fair Credit Reporting ACT XXXX ACCOUNT XXXX 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: Mortgage

In XX/XX/year> I was asked to provide hazard insurance verification for XX/XX/year> to XX/XX/year>. I requested my hazard insurance company to provide the documentation for this period. They determined no insurance was inforce during this period. Huntington Mortgage placed " lender provide coverage '' effective XX/XX/year> to XX/XX/year>. An escrow account was established to collect the premium of {$58.00} for this period. A letter stating the cancellation date of XX/XX/year> was sent to me by Huntington Mortgage.. 
My mortgage statement due XX/XX/year> increased {$70.00} and not {$58.00}. Huntington Mortgage had created an escrow account to collect and entire 12 month period of lender placed insurance rather than the insurance cost for the 15 day period of originally required. I have spoken with fourteen Huntington Mortgage personnel in the customer service, the insurance unit, and the escrow department over the last five months requesting the correction of Huntington Mortgage 's oversight without successfully concluding this issue.
Product: Debt collection

My husband has an account with USAA credit card. I do not. My name was removed from this account, as USAA stated in their rationale for lowering my credit score, in XX/XX/XXXX. ( They knowingly interfered with my credit score. ) I have contacted XXXX  twice ; the first time I contacted them was in XX/XX/XXXX when XXXX  lowered my score because of my husband 's debt -- my husband has a credit repair ( XXXX XXXX XXXX ) company helping him pay this debt off since XX/XX/XXXX After my first contact/complaint in XX/XX/XXXX, they raised my credit rating to XXXX, and after the XX/XX/XXXX reports from USAA stating further delinquency ( he has been paying ), XX/XX/XXXX lowered my credit score again to XXXX or XXXX, then, when I complained again this IS NOT MY DEBT, my credit score was raised to XXXX, using the excuse that since I don't have any real estate encumbrances, they had to leave it at XXXX. Today, when I looked at my credit score, it is XXXX, no reason given for the lowering activity. This is punitive.
Product: Credit reporting or other personal consumer reports

I initially disputed this account with the credit bureau on XX/XX/year>, and the bureau, in turn, was required to verify the account with the creditor within 30 days. However, XXXX XXXX XXXX XXXX has failed to provide sufficient documentation proving the validity of the debt. Per the FCRA ( 15 U.S.C. 1681i ), if a creditor can not provide adequate verification, the disputed item must be deleted from the consumers credit report. 

Despite repeated requests for proper validation, I have not received any documentation supporting the legitimacy of this debt. The continued reporting of this unverifiable account is causing unjust harm to my credit profile. 

I request the CFPB to investigate this matter and take appropriate enforcement actions against XXXX XXXX XXXX XXXX  for their non-compliance. Furthermore, I seek the immediate removal of this inaccurate account from my credit file.
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 is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.
Product: Credit reporting or other personal consumer reports

These inquiry was not authorized. 
Please remove these inquiries from the report listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I lost my job and I had protection on both of my Capital One credit cards. In the meantime, my partner, was the person who always paid my card payments, monthly from HER account. This went on for 4 years approximately. When I was laid off from my job XX/XX/XXXX, I waited the 30 day period Capital One requests before the protection can kick in. When I called they had informed me that I did not have this protection and that it was cancelled XX/XX/XXXX, I advised them I was not the person who cancelled this and that it was possibly my live in partner, who I did not authorize to do so. The woman told me that there was nothing she can do and that I would have to wait for them to pull the tapes and investigate the call. Ironically, I also was informed that this was the same month and year that Capital One stopped offering XXXX XXXX in cases of someone losing a job. I voiced my concern with this, as well as me not authorizing anything to be cancelled and informed her of my partner wrongfully taking my credentials to do things soley because SHE was the one paying for my bills at that time. A few days later I received a phone call and the woman I spoke with rudely told me there was nothing they can do and that the voice tapes states its me who infact cancelled these services and that they were refunded back to my account. I told her I was NOT the one who did this and that I wanted to escalate, she told me that I could not because they pulled tapes. I said well, how do you have proof that it is me? Anyone can call in that is a female, as long as they have the proper information, state they want to do anything to an account. Which is what happened with my ex girlfriend. I told her if I had another females credentials, I also can do the same. Just because someone stated they were me, proceeded to give information, does not mean they are me. I also explained that I found it funny that this was the second time in several years that Capital One had " claimed '' my protection if I became unemployed was " cancelled '' on both cards. This also happened XX/XX/XXXX to me. In which I added it back on and let it go. The woman told me the only thing she can do is adjust the account, which STILL has n't been done, but that is all. She can not help and I am left hanging with payments now behind on both cards due to unemployment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Open date : XX/XX/2020 Amount : {$9700.00} Account Number : XXXX VW Credit Inc. 
Open date : XX/XX/2020 Amount : XXXX Account Number : XXXX
Product: Bank account or service

I have a refund from Ebay, they gave me the following PayPal transaction ID XXXX. This is from XXXX XXXX, 2016, after several calls and emails to Paypal they ca n't find the transaction, they asked me for all my credits card numbers, address, accounts, they asked me if I have husband, brothers, son, they asked me for the name of the merchandiser, really I do n't know what kind of mess they have there but at this time I have no refund. They asked me the transaction number about 50 times but at this time I 'm scared because I gave to them all my personal information just for a refund and I do n't know if this is normal.