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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute the reporting of late payments associated with the above-referenced account on my credit report. Upon reviewing my credit reports from XXXX, Experian, and XXXX, I identified discrepancies that are both inaccurate and harmful to my credit standing. The late payments reported are not reflective of my actual payment history. Specifically : XXXX and Experian reported three 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX shows no reported late payments for this account. 
Experian removed one late payment upon a previous dispute, and XXXX has now updated the account to reflect " none reported. '' Reason for Dispute : The reported late payments for XXXX, XXXX, and XX/XX/XXXX do not align with my records. Based on my financial documentation and bank statements, all payments for this account were made on time and as agreed. 
Violation of the FCRA : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not contain inaccurate information about transactions or experiences.

15 USC 1681i ( a ) ( 7 ) : Upon request, you are required to provide a detailed description of the procedures used in your investigation of the disputed information. 
Action Requested : Investigate this account and update all late payments for XXXX, XXXX, and XX/XX/XXXX to reflect a status of Paid As Agreed, Never Late. 
Provide a description of the investigation process and evidence used to verify the accuracy of the reported information. 
Remove any negative notations associated with the late payments on this account. 
If you can not verify the late payments, please provide the procedures and evidence used for the verification. Failure to provide this information within the legally mandated timeframe will be considered a violation of the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
I expect a written response within 30 days from the receipt of this letter. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from XXXX. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.
Product: Credit reporting or other personal consumer reports

I just recently looked at a copy of my credit report and noticed several inaccuracies on my accounts. this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate. 
Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX  reporting on my credit report is in violation of the FCRA by reporting a balance after the account being closed on XX/XX/2017. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

Information is incorrect. Plus shows charge off. And just renewed date on charge offs into collection, but there still on file. Showing 7 negative out of 4 accounts. Through XXXX XXXX XXXX my information was exposed. Under 605.b this is unjust. They've purposely ruined my credit and caused collateral damage to my business and livelihood. 
Plus incorrect XXXX XXXX child support payments which have severely affected me. By reporting non payments although it was garnished from checks. Misinformation.
Product: Vehicle loan or lease

My car loan is with US. Auto Sales, who has transferred my loan to Westlake portfolio management. however, before the loan. US. Auto has been double charging me for payments, and additional fees along with charging me for collateral protection, for almost 2 years. when I explain to them that I have insurance, and sent proof as well. I never received any of my money back. I was sent a letter stating that they were looking into this matter, then next thing I know. I start seeing letters from another company stating that they've taking over for US. Auto Sales, and all payments should be made to them.
Product: Credit reporting or other personal consumer reports

I have not been able to obtain a copy of my credit report and score as my right annually from XXXX, XXXX or Experian.
Product: Vehicle loan or lease

XXXX of XXXX advertise to sale car @ {$69000.00} on their website, and I confirmed about same to XXXX XXXX XXXX XXXX XXXX XXXX ). Dealership DSR website has buy now button page below : XXXXXXXX XXXX XXXX -- XXXX Once you fill up buy now form, it directs to credit application and I filled the same on XXXX XXXX. Their sale rep ( XXXX XXXX ) called me in the evening and told me, he may not have vehicle on the lot or even if it is there, they will charge $ 5k above MSRP. I have verbally denied buying the car above MSRP ( advertise price ) and therefore there was nothing to do on that deal any further. On XXXX of XXXX morning XXXXXXXX XXXX from dealership ran my credit application for no reason. We neither has pricing agreement or nor car finalized as well. I got to know after my credit monitoring tool triggered me messages for hard enquiry from them. I asked dealership on serval calls, why they ran my credit, and they kept kicking my call in between transfers. Finally in the evening XXXX original salesman called me and apologies for un-authorized credit run and offered me car at MSRP plus $ XXXX ( instead of $ 5k ). I still denied working on that deal as well. While I filed application online, as per their buy now flow suggested, however they do false advertisement on price of Car and force customer to buy add on product in the name of market adjustment. They are conducting shady business practices, where they my run credit without pricing agreement or even without finalizing vehicle itself. 

Thanks, and my best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to Transunion as {$32000.00}. How do you have a {$29000.00} increase within 60  days? I did make a phone call to XXXX XXXX when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that Transunion went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  by XXXXXXXX XXXX company broke some US Laws. 

PLEASE GO AFTER THIS COMPANY I ALSO REPORTED THEM TO THE ATTORNEY GENERAL I HAVE MY ACCOUNT NUMBER TOO. 
THEY ALSO HAVE HAD MANY CLASS ACTION LAWSUITS 1. 1st Law Harassment ; In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

2nd law : Late charges on credit report are illegal By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Because of these violations, my credit score has suffered and i have lost XXXX of points!!!!! 

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the timeshare at the same rate as someone else. These timeshares discriminate based on a persons background not necessarily their credit. Its unlawful for the timeshare to discriminate against a person for a purchase! This is unlawful discrimination!!!

4th Law : With me being the consumer, I never received any time of payment for this timeshare thats already paid for. I never received cash, check, card, or etc. This is a violation of the recission for this timeshare With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership.

THIS IS AGAINST THE LAW!

Violation of 15 USC 1679a!

im submitting this on behalf of my fiance XXXX XXXX im also on the timeshare too
Product: Credit reporting or other personal consumer reports

There are inquiries on my Equifax Report that should not be there These inquiries were added without my knowledge. in compliance with the tair credit reporting at these inquiries need to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 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 and list of Inquiries. 


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 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 to any 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

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report with Experian I saw that XXXX credit card services is reporting my credit has significantly went up by % XXXX with my usages. I rarely use this card and that's false information. This was reported by them on XX/XX/2021. My balance has been XXXX so how can this be legit. I've got screenshots of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the Nelnet Loan Services, Incorporated account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my consumer/credit report and I noticed inaccurate and negative items being reported between the three consumer reporting agencies XXXX, XXXX and Transunion. I found that all three scores and information being reported by the aforementioned reporting agencies do not correlate.
Product: Credit reporting or other personal consumer reports

There are a bunch of inquiries on my report that I didn't authorize.
Product: Student loan

Monterey Financial has extracted a late fee from me even though I have paid them on time. They have stopped my access to my educational program due to stating that my payment was late however they have received my first payment plus late charges and still I do not have access to my class. I have paid them off in full {$2700.00} yesterday but I still do not have access to my class at careerstep.com. I was treated like a criminal even though they did not mail me my loan documents or give me any copies of my financial agreement. I tried to set up a payment system with them thru my bank, XXXX but they do not process payments in a timely manner in order to extract late fees. They should be charged for bank fraud. 

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

I have reported fraudulent inquiries on my credit for three years along with XXXX XXXX  I have never done business with them or their creditor and I requested my actual id and signature I have had a fraud alert and am still experiencing fraud I is my part in reporting the fraud due to the breaches and was even given the protection insurance which I also called and complaint to regarding the inquiries and was told I had to call them when I never did in the first place I have not used my credit trying to fix it yet I keep getting letters denying me credit I am requesting for the last time that all the inquiries be removed immediately and the only negative that is wrong and I am fixing is XXXX, XXXX XXXX XXXX that is the only negative that should be reflected and my score updated I feel that the bureaus have illegally held my score purposely and want full investigation in filed bankruptcy and after paid 3 cars off n my score never went up it actually got worse than before the bankruptcy also the length of my credit history is also wrong which prosves my credit is being held with the intent to hold me down I expect real change n my score significantly changed to reflect the actual score if I can not get this fixed attorney general and legal action will follow
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an XXXX  loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Please provide the full details of the originating bank account this deposit was from? 
XXXX made on XX/XX/year> in the amount of {$67.00} by XXXX into bank account XXXX XXXX XXXX XXXX. See attached image highlighting in pink. Your cooperation would be appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX LCS ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX PaymeXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Personal Info : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX CT XXXX XXXX, NV XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

radius global solutions keeps calling me nonstop about my XXXX debt owed. sometimes they called multiple times in a day. I am very sick with many health issues as a XXXX veteran and there are days I cant answer my calls. they are harassing me with repeated calls 5 days a week
Product: Debt collection

ProCollect , INC . this collection agency trying to collect money for me {$97.00} I called them yesterday I told them this situation I resolved them several years ago. But she dont want to listen to me. All she keep telling me I need your credit card and you have 3 days to pay this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Acct # XXXX, SSN XXXX discrepancies in the High Credit amount, showing XXXX for XXXX  Student Loans showing late payments during Month of Pandemic when it was decided by the FCRA that XXXX student loans payments would be suspended during those months. Acct # XXXX XXXX Acct # XXXX, showing derogatory when there is a XXXX balance Credit Acceptance Acct # XXXX, Auto Loan, showing collections with XXXX, balances are inaccurate. I was affected by the pandemic and did not have the means of making the payments. Natural disaster beyond my control XXXX XXXX XXXX XXXX, Acct # XXXX, inaccurate reporting on my report XXXX XXXX XXXX XXXX XXXX Acct # XXXX, inaccurately reported Inquiries that are bad and not authorized by me
Product: Checking or savings account

XX/XX/23 a person claiming to work for bank of america called and said there were fradulent charges being initiated on my account via XXXX. the money was taken from my BOA account. Bank of america failed to warn costumers of this scam, and it has been going on for months now XX/XX/23 XXXX XX/XX/23 XXXX was taken from my checking XX/XX/23 XXXX XXXX XXXX was taken from my savings