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

First I would like to comment My credit report states that I was late on XX/XX/2022 and XX/XX/2022. I was not late on either month in 2022. 

In XXXX I was injured and I required emergency XXXX on XX/XX/XXXX to repair a herniation in my stomach. I made a payment of {$330.00} on the XXXX of XXXX which was {$26.00} less than my actual payment of {$350.00}. I was unable to pay the full payment at the time because I was waiting for my short-term XXXX payments to come in the mail from California. I live in XXXX. They did not put the money in my account. Rather mailed a paper check to me every week. XXXX  XXXXXXXX XXXX XXXX assessed me a {$17.00} late fee. I paid XXXX on XX/XX/XXXX including {$17.00} late fee along with the {$26.00} remaining payment for my XXXX payment. 

XXXX XXXX XXXX XXXX made an error. Instead of applying XXXX towards the late fee they assessed, they applied it toward interest paid. The {$25.00} was also applied towards interest paid. The credit report states that I am 30 days late {$26.00} in XXXX. I was not 30 days late. 

I was having difficulty with my recovery after the XXXX and in XXXX I made a phone call to let them know that I was having difficulty with my payment because the short-term XXXX insurance company was reinstating my XXXX for an additional XXXX weeks and again it was taking time to process and mail those checks from California. 

I called XXXXXXXX XXXX XXXX XXXX  on the XXXX day of the cycle. I asked him if there was any opportunity to skip a payment. The representative put me on hold and he returned and said that since I was a good customer and because of my hardship they had a program for me. The representative told me he needed to make a recorded statement of why I needed to skip a payment. The representative put me on hold again. When he returned he told me that the program available for me was to take my XXXX payment splitted into XXXX payments over XXXX, XXXX and XXXX. My payment would go from {$350.00} to XXXX. And my new due date would be on the XXXX of each month for the next 3 months. I was told not to make a payment on the XXXX. After XX/XX/XXXX passed I was assessed a {$17.00} late fee. I made my payment on the XXXX of XXXX as I was told. Because I was a sister {$17.00} late fee. I was very afraid that I was going to be assess this fee every month for the next 3 months. 

XXXX XXXX XXXX XXXXe agreed that my due date was XX/XX/XXXX but they charge me a late fee and marked me late anyway. I have always been a good customer and I could not believe that they were treating me like this. If they didn't have a program for me they shouldn't have offered it and if they weren't going to stick with what they promised, they shouldn't have offered it to me. 

I'm trying to purchase a home and this is the only thing on my credit report that is affecting my score and my ability to purchase a home. 
I am a 30 % service connected XXXX veteran.
Product: Credit card

To Whom It May Concern, This letter is to inform you I am currently in the process of purchasing a home. Upon reviewing my credit report, it shows I currently have two other accounts opened with Capital One, which are not mine. Account numbers are ending in # XXXX and # XXXX. I am requesting an investigation to be opened up and for these accounts to be removed off my social security number and credit bureaus. My only true account ends in account # XXXX. 

Below you will find the information requested over the phone : Name : XXXX XXXX Previously XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Last XXXX of Account # : XXXX XXXX : XXXX XXXX : XX/XX/year> In addition, on the attached XXXX XXXX  report, page XXXX, a name variation that pulls up is XXXX XXXX XXXX That has never been my name nor have I completed any applications with that name. Please fix this error and remove off my credit report as soon as possible. 

If you have any questions, please do not hesitate to contact me at any time at XXXX or XXXX. 

I appreciate your assistance with this urgent matter. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, a federally protected consumer. I am making this complaint against EXPERIAN because they are in violation of the FCRA. I sent a letter out on XX/XX/2022 that was received and signed by an employee of EXPERIAN on XX/XX/2022 that is confirmed via return receipt which I have attached as Exhibit A. In the letter, I stated that there were names and addresses that shouldn't be on my consumer report and how my name and address should appear on my consumer report, which is my federally protected right per 15 U.S. Code 1681b ( a ) ( 2 ). When I received my updated credit report from EXPERIAN, this request was completely ignored and they kept these incorrect names and addresses on my report despite me sending in identification to verify myself. EXPERIAN is responsible for being fair, providing equal treatment, respecting my right to privacy per 15 U.S. Code 1681 ( a ) ( 4 ), and practicing due diligence in ensuring complete correctness, which they have miserably failed me. I provided explanations of why these addresses should not be on my credit report, which I have attached as Exhibit B. EXPERIAN has appointed themselves in a role that has affected my life ( without my permission ) and with that, is suppose make sure that the information is to be fair and equitable to me, but it is not. It is only fair and equitable to them.
Product: Credit card

My account has been locked on Apple Card for a week and no one is helping. I opened a few dispute recently one being XXXX I think that might have done it as I told them it says delivered but ups or someone stole the package as they signed for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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 card or prepaid card

I made a return several months ago that led to a {$200.00} credit on my Kohl 's charge card. A written request was made by chat on XX/XX/24. I followed up after not receiving the refund for 14 days. 

I was told ( prior to my knowledge of the seven day regulation ) that the refund would be issued in 10-14 business days. After it was not processed, the only option they could offer was to re-initiate another refund request. I informed them that the 10 day refund is not aligned with federal law. I offered to go into the store and have the amount refunded to my debit card but the agent reasserted that this was a computer generated process only.
Product: Credit reporting or other personal consumer reports

Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/2024, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/2024, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/2024, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/2024, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXX XXXX. PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/2024, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting a debt owed to the collection agency XXXXXXXX for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX, the original creditor ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to XXXX collection agency. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX county courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation. Even the amount they are reporting that I owe is incorrect anyways. However, they filed a non-suit but turned around and still charged me for the same monetary damages they claimed we were settling to drop. This invalid debt that I dont owe should be removed immediately and cease reporting!
Product: Credit reporting or other personal consumer reports

on XX/XX/year> a letter was sent to experian advising there were some incorrect personal information and they have yet to process my request.
Product: Debt collection

I contacted Jefferson Capital Systems to settle a debt I had with XXXX XXXX  We verbally agreed upon settling for half the owed amount ( {$500.00} ). I gave them my debit card information and was charged {$250.00}. Great. Problem solved. Tuesday, I received a letter in the mail from a new debt collector requesting to settle a balance from Jefferson Capital Systems of {$250.00}. I feel like they sold a settled debt.
Product: Credit card

I have been locked out of my web, and app access for eight weeks. 
I am unable to make payments on my account. We changed the password, I tried different web browsers, and computers. Capital one can't post payments with customer service with debit cards, and electronic checks with routing numbers. I sent in a bank check to the payment center. I was told that they were unable to post that payment either when I called them. I have not received any communication from capital one at all concerning this problem.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : Account Name : XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Debt collection

XXXX XXXX  and XXXX accounts were compromised, instead of working with me to investigate the fraud they charged off the accounts. Portfolio recovery associates continues to falsely report the dates and type of debt, and disregards the disputes. After I successfully have won disputes they submit new collections records renewing the negative marks and hurting my credit worse than before I disputed the debt. They call me XX/XX/year> times per week and if I speak to them they are hostile and threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONSUMER ADJ CO is a third-party collection agency reporting an account past 7 years old on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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  CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$84000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX have reported inaccurate information to the credit bureaus without my authorization. I never opted in or gave permission under the Fair Credit Reporting Act ( FCRA ) for XXXX XXXX, XXXX XXXX, or Experian to report any payments or debts to my credit file. I informed several agents that there is no valid contract between me and these entities. Despite my repeated requests, neither Experian nor the alleged creditor has provided any documentation to validate the debt or proof of my authorization to report it. Additionally, the creditor has failed to respond to my direct inquiries. This continued reporting of unvalidated and unauthorized debt violates my rights under the FCRA, and I request immediate investigation and resolution of this matter.
Product: Checking or savings account

I believe my account with BANK OF AMERICA EDD in California was fraudulently reported to the IRS. Between XXXX - XXXX my tax return has been taken for the reason of unemployment fraud. I have not received unemployment between those years. I was on unemployment between XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported multiple times to Transunion, XXXX and XXXX credit report Agencies about being a Victim of Identity Theft. 
I have prove to them that there has been some accounts opened fraudulently like Account name : XXXX  XXXX. Account number : # XXXX. 
I have requested several time this account to be investigated and the response have been always the same " this account has been verify '' I have requested the same investigation to XXXX  XXXX THE CREDITOR HOLDER OF THIS ACCOUNT in multiple time this creditor has affirmed they can not fulfil investigation in this issue since they do not have information about me being liable for this account Honoring 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. 

so mi question is how the credit bureaus has information about XXXX account that not even the furnisher says having information about? 
Transunion, XXXX and XXXX XXXX XXXX XXXX has violated my consumer right under 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. 

XXXX XXXX is not capable to verify this information because they do not have 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. 
Transunion, XXXX and XXXX XXXX XXXX XXXX has Violated my consumer right under 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 since XXXX  XXXX HAS EXPRESED IN WRITTING they " do not have enough information to conduct an investigation '' taking into consideration that I am not LIABLE for account name XXXX  XXXX with number : # XXXX I demand from Transunion, XXXX and XXXX XXXX XXXX XXXX to deleted this account from my credit file since they are furnishing FALSE information violating all my right under the FAIR CREDIT REPORTING ACT and specific XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
I request the cfpb be review that my right does not continue violated and that the responsible do not take the law for granted and for once do what is right deleted this account from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and XXXX  And Equifax. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!