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

I have been contacting Experian about some accounts on my credit report that do not belong to me. I was told by XXXX that my confidential information was leaked during their data breach and that the accounts were a result of identity theft. I have sent Experian my letters with an FTC report documenting the data breach and fraudulent accounts and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that the accounts are not mine because i did not receive any goods or services from those creditors and the creation of these accounts was not authorized by me. Experian is the type of corporation that is making money off of minority groups like myself by continuing to report inaccurate information. These inaccurate accounts are detrimental to my credit health and make my finances take a toll for me and my family. Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and Experian is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. IF THIS INACCURATE REPORTING IS NOT FIXED I WILL NO OTHER CHOICE THAN TO PURSUE LEGAL ACTION AGAINST EXPERIAN! I beg you to please remove these inaccurate accounts!
Product: Checking or savings account

Capital One experienced an issue with deposits. They waited until a full day and a half to send a vague email saying it would be fixed by the next morning. It was not. We are now nearly 4 days past my direct deposit date and still no money or any other communication. We have bills to pay and have direct debits for bill pay without having m deposit to cover them.
Product: Checking or savings account

Valley bank is advertising a {$400.00} promotion for new checking account with direct deposits. I opened the account on XX/XX/year>, deposited {$100.00} cash per request for account opening, and set up direct deposit. But 3 WEEKS later, branch staff told me my account is forced to be closed without any reason given. My direct deposit was messed up. Luckily, its resolved by my employer. The {$100.00} balance is supposed to be delivered to my other account by XX/XX/year> per transfer confirmation. It didnt. While the {$100.00} is still up in the air now, the branch has closed my account already! I called the branch and found out it might be delayed or cancelled. How messy the bank operation is and how irresponsible the staffs are?

The bank took 3 weeks to figure out the account can not be opened. Its a fresh new account and I didnt have any transaction yet as of the date when the bank decided to close my account. Why they had to wait 3 weeks, but not on day 1? Why the {$100.00} balance cant be delivered timely on XX/XX/year>? Why the account was closed when the bank wasnt sure if there was cash balance left or not until I called them? Why Valley bank posting the {$400.00} promotion everywhere? If they worry about the client is coming only for the promotion why they post it in the first place? Why their promotion disclosure doesnt mention any hidden requirements other than the direct deposit and let the client find out in this ugly way?
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

We purchased a XXXX XXXX from XXXX XXXX in XXXX and then we traded this car in XX/XX/XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX {$5500.00} as in contract to retain the original title and complete the trade agreement for a brand new XXXX car. 
We do not own or are liable for an account that was closed due to a trade-in vehicle purchase! Weve validated the balances and XXXX XXXX is claiming a debt that is mistaken, inaccurate, and deceptive. We have a copy of the XXXX contract stating they paid off XXXX. XXXX off and additionally, our paid fees to XXXX XXXX would have fulfilled our obligations ... we have proof of this trade and XXXX XXXX is scamming us and destroying our credit. They have falsified records and are using predatory financial tactics to collect a debt from a car they no longer own or are the lien holder to-How can they collect a debt for a car they or we do not own?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA you are expected to delete these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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: Credit reporting or other personal consumer reports

To whom it may concern : I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form LOBEL FINANCIAL CORP ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have requested information pertaining to these inaccurate accounts thats reporting on my consumer file. The credit reporting agencies along with the original creditor has not provided me with the information that I requested within the 30 days thats required per the FCRA. I have written multiple letters with the attempt to correct these inaccurate items to no avail. Can you please help me with this matter.
Product: Debt collection

They said it was fixed and they would issues a new card with the correct amount and it never happened. I called and they informed me it was in collection they took one off the got it reporting two of the same cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a number of fraudulent inquiries on my XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX and was informed that they were unable to remove the inquiries for me and that I should contact the ftc directly.
Product: Debt collection

On XX/XX/2021 I was alerted that I had an update to my credit report. When I checked it, an account from The Law Offices of Jennifer McCoy had been added to collections which resulted in my score decreasing by twenty points. On XXXX XXXX I wrote The Law Offices of Jennifer McCoy asking for the original contract to be certified mailed to me, showing that I, the consumer, owes The Law Offices of Jennifer McCoy a debt. I then receive a letter dated XXXX XXXX from the law firm, which was not enclosed with the contract that I had requested, but enclosed with a statement. Shortly after, the account was removed and my score went by to the original score, raising it twenty points. 
My complaint is : due to Law Offices of Jennifer McCoy, my reputation has been compromised. According to FCRA 15 USC 1681 ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Also 15 USC Code ss 1681 o-Civil liability for negligent noncompliance ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to ay consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I asked the law office to provide me with a copy of the certified original contract, which she did not do. Due to the law offices negligence, my score went down twenty points.
Product: Credit reporting or other personal consumer reports

OU HAVE VIOLATED FCRA 15 U.S. CODE 1681S2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE & ( FDCPA 15 U.S. CODE? 1692E.FALSE OR MISLEADING REPRESENTATIONS ) YOU ALLOWED THIS DEBT COLLECTOR TO VIOLATE MY RIGHT. I ALREADY DISPUTED THESE INACCURATE ITEMS OVER 35 DAYS AGO AND YOU HAVENT NOTATED IT AS DISPUTED!!
Product: Credit card

First, I am having a temporary financial setback and I have tried to work with Discover Cards to mitigate the situation but it only seems to be getting worse. No matter what you say to them, they ignore you and try to set up a payment. As many times as I say, I ca n't commit to a pre-arranged payment, they do not listen and repeat the same question of setting up a payment. These people must be on some type of commission because they are relentless and they do not listen or respect the consumer. I do not like to make arrangements that I am not sure that I can fulfill. I feel pressure and I am usually depressed when I get off the phone with them after phone calls that have lasted over an hour. 
Second, they are leaving messages on my answering machine say there is some type of savings opportunity I should be aware of. Everybody within earshot knows that it is a call that I am behind in my bill and that is something that I do not want to share with the rest of the world. 
Last, on the last phone call, when I spoke to their representative on XXXX XXXX, I was told I was past due 60 days, which confused me. I did not know I was so behind in the account. The representative said that I started being delinquent one day after the last payment on XXXX XXXX, and I had made a partial payment after that. I found this confusing. Is this true or a marketing technique to put fear into the cardholder 's mind that they are worse off than they think? Is that true and legal? Thank you. I need clarification of the delinquency issue/
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX show reporting dates of XXXX Their info needs to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAcXXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

I am on auto pay and pay my entire lease bill through the autopay feature directly through my checking account monthly. Each month for the past several months, GM Financial has sent me a bill for {$32.00}. Each month I call and sit on hold waiting forever to get through to the call center because they are experiencing, " Unusually high call volume. '' Each month, they tell me they're going to remove the amount. Each month, they tell me it will not happen again. 

Then, the next month comes and I get a bill for {$32.00}. This is attempted theft. I have no doubt that there are people out there paying this erroneously billed amount. 

This month, my bill for {$32.00} came with an additional " PAST DUE '' amount of {$380.00}. 

I called again and learned I'm not past due ... that it is my vehicle 's " property tax '' and I have a year to pay it.
Product: Credit card

I paid my XXXX  bill ( {$220.00} ) with my bank card... .Chime XXXX XXXX  card. 
Unfortunately, after I hit confirm payment on the website to pay my bill, I noticed I paid with my OLD Chime XXXX XXXX card number. 
After cancelling the Old Chime XXXX XXXX card last month ( beginning of XXXX ) and ordering a new Chime XXXX XXXX card and receiving it, I forgot to update my XXXXXXXX XXXX information. 
But I figured, as soon as I did it, that it would come back denied after pending because I used the OLD Chime XXXX XXXX card number and that old card number WAS SUPPOSED TO BE CANCELLED when I ordered my new one back in XXXX. 
Well, the transaction went through, which means my bank, Chime, DIDN'T CANCEL THE OLD CARD. 
The {$220.00} should have come back to my account and it never did. 
Because the payment went through and SHOULDN'T have, I didn't have any money to buy my g/f a birthday gift on XXXX & 3 Credit card bills. 
My bank tells me I might have to wait till the end of XXXX for a decision. 
THIS SHOULD BE THE EASIEST DECISION TO MAKE. THE ATTACHMENT IS THE PAYMENT TRANSACTION PROOF TO SPECTRUM WHERE ANYONE WHO CAN READ CAN SEE THE LAST 4 DIGITS OF THE CARD USED WAS XXXX ; WHICH IS THE LAST 4 DIGITS OF MY OLD CHIME XXXX XXXX  CARD, WHICH SHOULD HAVE BEEN CANCELLED AS SOON AS I ORDERED A NEW CHIME XXXX XXXX CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card illegally tagged this dispute as - duplicate and failed to respond.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion stated that the inquiries they investigated were deemed to be validated and verified but they did not provide me with any evidence they used to come to this conclusion. What documents did they use or who did they talk with at the establishment to determine this information. I am not contacting anyone about what TransUnion is reporting since this is the company causing me damages and TransUnion is the party that released my information which makes you liable. 

XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX  TransUnion
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my consumer credit report from the major three credit bureaus check the information within making sure the it was accurate according to USC titie 15 1681 ( 5 ). 
I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit reporting agencies XXXX. 
Experian, and XXXX did not complete and modify or remove anything items on my credit report. 
The primary information being reported are not correct such as the open date, date last active, date of payment history. 
These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to start a business and buy a house for my family. 


I've attached all of the previous dispute letters to show no action was taken upon the credit bureaus on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural person and without the help of anyone in filing this complaint declare that the XXXX XXXX XXXX EXPERIAN is violating my rights by refusing to send me the results of the investigation of all negative accounts reporting on my credit file in spite of many certified letters requesting the results and methods of said investigation. I now also am requesting they send me that AND my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CAPITAL ONE  XXXX Balance : {$0.00} ; CAPITAL  ONE XXXX Balance : {$0.00} ; KOHLS/CAPONE XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent XXXX an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from XXXX  regarding the bankruptcies listed on my report. 

XXXX response : Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. Public record items from courts that XXXX may have obtained through a third party vendor, XXXX XXXX XXXX XXXX.