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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. 
Block and remove it. 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 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 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 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
Product: Checking or savings account

I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXX, cap oneXXXX XXXX XXXX etc. One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from my bank account to an impersonating account ( XXXX XXXX ) as well as a few very strange out of country charges. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes and followed up XXXX everyday but was told after ten business days I would receive a credit or someone would reach out with questions. No one ever called nor emailed, never wanted any documents. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. On the tenth business day of calling, I was yet to still hear from anyone and they couldnt located any of the 5 documents in emails I had sent ( I sent them again afterwards ). Shortly after I received a denial and was also asked to leave the bank. I have never felt treated so poorly and kicked to the curb in my life. I am not a rich person and am the victim of identity theft and at a loss over XXXX that was fraudulently taking from me account. Capital one treated me poorly and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, or look into the matter and just wait the ten days to deny and close my account. I still even sent everything to them again anyway showing I was scared and they showed no customer protection from a banking institution at all. Being a victim of identity theft made me feel 100x worse after the way capital one handled it and treated a customer. Now I am filing a complaint because Capital One is violating the Electronic Funds Transfer Act, which limits a consumers liability to { {$50.00} } if the consumer reports the loss within 60 days. I reported the loss to the bank the as soon as possible when I saw the theft had occurred. I would like for these fraudulent charges to be taken off my account and my money returned to me. Thank you very much for looking into this matter.
Product: Credit reporting or other personal consumer reports

This account is over XXXX yrs old. This account is not listed on XXXX or XXXX. I didn't approve for XXXX XXXX to sell my loan. Due to these violations, I will seek legal compensation in the amount of {$3000.00} per each violation. Remove this account XXXX Immediately and instruct XXXX XXXX to do the same
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( XXXX ) proper proof of my identity, ( XXXX ) a copy of my identity theft report, ( XXXX ) my identification of the fraudulent information, and ( XXXX ) my statement confirming that the information does not relate to any transaction I conducted. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/XXXX. A collection company by the name of TRANSWORLD SYSTEMS INC attached a collection from an account that they purchased in the amount of {$330.00} from XXXX XXXXXXXX XXXX to my credit profile. On XX/XX/XXXX I made a complaint and emailed the collection company to submit any documents and or contracts that I have directly with TRANSWORLD SYSTEMS INC. stating I agree to pay any debts. I have not supplied proof under the doctrine of estoppel by silence, XXXX  XXXX '' XXXX, I persume that no proof of the alleged Debt, or therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on the XXXXXXXX account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 27 attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I faxed the mortgage company XXXX XXXX XXXX the 2011 Chapter XXXX discharge court case last week. XXXX XXXX XXXX continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from XXXX XXXX XXXX informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.
Product: Vehicle loan or lease

Account was assigned to repo. I called to set up payment plan. Been making payments for months. And they took my car this morning XX/XX/. Ran my credit and it says the car account was repossessed and closed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my information was used without my information to apply for a FRAUDULENT CREDIT INQUIRY. I have contacted both the furnisher and credit bureau notifying of this unauthorized acitivty on XX/XX/2021 XXXX XXXX I did not apply this fraudulent inquiry need to be immediately removed by Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are two bureaus reporting different information. One bureau is showing a payment amount while the other has XXXX  dollars as a payment amount. The date open date is different on the two bureaus. Also the amount owed is less than the high payment. Please remove this account from my report due to its inaccuracies.
Product: Checking or savings account

On XX/XX/2022 i received a phone call from the fraud department of Netspend calling to verify if the person given access to my account that morning was me. the number of the person pretending to be me was a XXXX area code -i am XXXX I let them know quickly that it was not me and then the representative asked me to verify my identification particulars and then proceeded to argue with me for the next 45 minutes that morning at XXXX  somebody called pretending to be me but given access to my account and the solution that's been came up with was to close all of my accounts because my information had been hacked and accessed two other accounts and money was being transferred back and forth which was not made by me and all of my accounts with them have been closed and I have no access to any of the funds that were already in the accounts on top of the funds that were taken out of the accounts that were unauthorized and fraudulent they will not let me access my statements they will not let me access any of the information to my accounts I'm never allowed to bank with them again and I tried to remind the lady that they called me not the other way around and now they refused to help or illuminate me on the matter or even inform me on how I'm going to get the funds that were in the balance of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX ( XXXX ) and XXXX ( XXXX ) they have removed the additional hard inquiries from my report. Experian ( XXXX ) will not even look at them and several of them are duplicates. They refused to investigate until I get a letter from the same company I did not give permission to pull my report. 

Experian has ( XXXX ) different hard inquiries on my credit report that are not accurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX Equifax is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have attached copies of my credit reports highlighting the specific XXXX XXXXXXXX XXXX account that is reporting ( 2 ) Separate accounts ( 1 ) for {$16000.00} & another reporting {$10000.00} on both EQUIFAX XXXX XXXX. I have attached supporting documentation that reflects the ONLY account open with XXXX XXXX XXXX which is for {$16000.00}. Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress, Denial of Credit Approval, Fraudulent Debt to income ratio reporting, & more. I am well aware of the importance of accurate reporting for both consumers and creditors and I am disappointed that my concerns have not been appropriately addressed. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Credit reporting or other personal consumer reports

Inaccurate reports still reporting on my Equifax. 
XXXX. ) XXXX XXXX bank Date Opened- XX/XX/XXXX Balance : {$86.00} XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. ) XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX  Date Opened- XX/XX/XXXX They gave me confirmation # ( XXXX ) And then another ( XXXX ) trying to solve this issue and I have received nothing even with proof..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XXXX XXXX, so my XXXX payment should of processed through my XXXX XXXX  account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CORRECT CALL-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees. We have provided proof that our average balance was and still is $ XXXX so why would we not want to pay and use a closed account that would generate fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Utah XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Product: Credit card or prepaid card

Capital One, charge off of {$3000.00} - This account showed my longest payment history and was established before I started my business. I worked out a payment plan with Capital One which would be in three payment installments that would keep my account active. After the arrangement was made the first payment was made over the phone with an agent. ( Have record ) I made the second payment on time and because of the approaching holiday season in which funds can get depleted fast, I decided to pay the final installment in advance at the agreed-to amount. The XXXX  system Capital One uses marked my final payment as unpaid and my account was quickly closed. 

I've sent several certified letters to Captial One in order to get my account reopened and I get back very generic letters from them. I did not want to lose my almost perfect pay history with that creditor and now that I own a business this derogatory mark on my credit file is causing me great financial harm. 

Lastly, I have several documents that support my claims and show the efforts I've made to resolve this issue. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with NO response or change to the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Dear CFPB on XX/XX/ I filed a complaint about an account reporting on my credit that is violation my rights. I sent proof of the inaccurate and unverifiable information and Experian claimed they reached out to the furnisher and the information was allegedly verified as reporting accurate. How is this possible? Seem to me that no one is doing their job in protecting the consumer. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Reporting information with actual knowledge of errors. 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. Reasonable cause has been established with proof. Still Experian and XXXX XXXX purposely ignore the law. 15 USC 1681a ( 1 ) speaks on the accuracy and fairness of credit reporting. My rights have been continuously violated. I demand immediate removal of this erroneous, misleading and deceiving information upon the receipt of this message. Pursuant 15 U.S. Code 1681n ( a ) ( 1 ) - Civil liability for willful noncompliance. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or. If this information is not removed from account RIGHT NOW I will seek legal action against the CFPB, Experian and XXXXXXXX XXXX Also I will be filing a complaint with the XXXX, the FTC and the Attorney General. The actions of investigations and reinvestigations is no more. REMOVE THIS ERRONEOUS ACCOUNT NOW!!!!!!!!!
Product: Vehicle loan or lease

Wells Fargo and XXXX XXXX XXXX failed to provide full proof of full disclosure to all matters dealing with loan and said agreement and contract as required by law in the Truth in Lending Act. Fraud of inducement has been committed willfully by the original lender in executing the contract through their lack of full disclosure. In regards to acknowledging the fraudulent activity, I exercised my right to rescind my contract by certified mail and no further action has been taken by either party. Original loan date is XX/XX/XXXX. A complaint was filed to XXXX XXXX on XX/XX/XXXX and to Wells Fargo on XX/XX/XXXX. XXXX XXXX XXXX has not responded. My property has also been repossessed unlawfully on XX/XX/XXXX. Proper documents were not sent following the repossession.
Product: Debt collection

Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Checking or savings account

My bank would not issue a dispute in which I had made. I then was told that I was going to receive a credit within 10 days period it was over 20 days till I even received a email saying that I was not approved and then was told I would receive a email as to why I was disputed. To this day have not been refunded and have no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a public record of my bankruptcy on my credit profile. I have sent several rounds of letters to have it removed immediately and they keep responding as updated.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either wayXXXX 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 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