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

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting a late payments, yet XXXX and XXXX are reporting that I paid on time. This is inaccurate reporting so please remove this late payment off my credit report and update it to paid as agreed for I made my payment.
Product: Mortgage

My Loan was transferred from XXXX XXXX XXXX XXXX M & T bank on XXXX/XXXX/2013 after never missing a payment but we had applied for Modification and they did n't tell M & T, I had perfect credit or M & T would not have bought the loan. We sent the first payment in XX/XX/XXXX from my billpayer company at my bank. Which I have the check and the statement proving it cleared. They have reported the payment as a bounced check and ruined my credit. I have a letter from them stating XXXX took the money from them. Because of XXXX mix up. Does a bank get to lie about you make up lies about your payment charge you thousands in fees and ruin your credit due to an error in paperwork between the to banks. I am XXXX and being bullied by this bank Is there anyway you can help??
Product: Credit reporting or other personal consumer reports

On XX/XX/23, someone attempted to apply for a credit card or loan using my Social Security Number with XXXX XXXX Bank. I would like to dispute the unauthorized inquiry.
Product: Debt collection

I understand that i had a XXXX XXXX  bill of XXXX Ive paid that debt in full, somehow the company still have this item reporting negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX has been disputed as fraudulent information is being reported, I have contacted Experian multiple times as they have failed to provide me with documentation or written verification concerning this account. Experian is reporting this account as open since XX/XX/XXXX, XXXX reported this account open as of XX/XX/XXXX, and XXXX has failed to provide any payment history. 

I have requested and demanded validation on multiple occasions and they have failed to provide me with proof of the debt. Please see below for the dates I have submitted a proper investigation. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

Axcess financial continues to falsely report a debt that isnt mine. Dont know who this company is or what they do. However they are inaccurately reporting false account information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I am a victim of identity theft. The fraudulent charges listed below are shown on my credit file but is not mine. I am officially disputing the fraudulent charges and request an immediate investigation. Please remove the fraudulent charges immediately from my files at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Upon routine checking on my credit report, I found a new collection account, as of XX/XX/2022, from Central Portfolio Control for {$13000.00} with the original creditor reported as XXXX. I have not used credit cards for six years, so there is no possibility that a new collection account could be opened on me. I have never had a XXXX account with a balance that high and I am currently paying on two other smaller XXXX accounts. I received no notice about this debt, so I was not given the opportunity to dispute this debt as is my right. I attempted to dispute this twice through XXXX XXXX to no avail. Central Portfolio Control is not following the CFPB rules with regard to collecting debt.
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, Equifax and XXXX are consumer reporting agencies 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. The Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' XXXX, Equifax, and XXXX never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of XXXX, Equifax, and XXXX reporting services.
Product: Credit card

Made 2 purchases for made to order merchandise from an online vendor with a bank of america credit card ending in XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX {$390.00} USD XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - {$290.00} USD The original timetline for delivery was 6 months. Merchant failed to deliver the order and deployed deplay tatics and I finally opened the chargeback dispute with BOA on XX/XX/XXXX. The associated claim number was XXXX and XXXX for the 2 dispute of the 2 transactions. I provided all the necessary documentation for the 2 disputes. 

On XX/XX/XXXX, BOA wrote me electronically that they will not resolve the dispute becuase it fell out of the timeframe. I followed up with BOA serveral time on re-opening the claim and re-iterate that I purchase something that I didn't receive. If BOA were to ask for the opposing merchant financial institution for proof of delivery tracking, they would've fail to provide one since it wasn't shipped out and credit back to me the full amount. But BOA refuse to even proceed with the claim.
Product: Credit reporting

A temporary job service named XXXX had a background company called First Advantage run a criminal background check on me. The company found an old charge that should have been expunged based upon the stipulation of my probation and that the charge is XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

for almost 2 years i have been having difficulty with a inaccurate account reporting on my consumer file. Experian has not investigate this account at all. At best, Experian has only parroted what the information provider has told them. The law is very clear that credit reporting agency does not comply with verification requirements of 1681i if it simply parrots the information providers electronic response. 

I am contacting you because Experian claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed Below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

On XX/XX/2023, i sent a certified letter to XXXX XXXX XXXX about this inaccurate reporting. The letter was returned back to me stating that the address is not deliverable. This is the contact address that is on my consumer report supplied from Experian 's generated report dated XX/XX/2023. I have enclosed a screenshot from Experian generated report. 

How is Experian verifying this account? If i can not contact them through the contact information supplied from Experian. 

I believe that Experian is not verifying this account and just updating an unverified account. This is against Federal Law of the FCRA.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have enclosed the unopened letter to XXXX which was never delivered. The usps certified mail- XXXX I have enclosed a copy of my experian consumer report with the Address that they supply as contact to XXXX Account in dispute : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM TIRED OF WRITING TRANSUNION, XXXX XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding inaccurate information on my credit report. TransUnion is currently reporting an account from XXXX XXXX XXXX  with an incorrect status, which is negatively affecting my credit standing. 

The account in question is listed under the following details : Creditor : XXXX XXXX XXXX Account Number : XXXX Current Status : Charged off as bad debt Issue : The account is marked as charged off, yet it still reflects a past-due balance of {$590.00}. A charged-off account should not display a past-due amount, as it has already been written off by the creditor. This inconsistency is both incorrect and misleading.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting
Product: Credit card

I was in Illinois caring for my elder parents for about XXXX months. Prior to going my account had a XXXX balance. Then around 30 fraud charges posted to my account within a 60 day period. When I found out about the charges I called Goldman Sachs Bank USA and advised them of the fraud charges. They reviewed all the charges and all of them were accepted as fraud charges except for 3 charges. 

I called Goldman Sachs Bank USA back once they applied the charges on my account and they said the only reason why they did that was valid because I previously shopped at XXXX XXXX. XXXX of the 3 XXXX XXXX charges is around 25 miles from my home. Goldman Sachs Bank USA said that I needed to send them proof that I was in Illinois. I told them several times they already had the proof as I made a purchase in Illinois when I was out there for 3 to 4 months. They never looked at that statement to confirm this. 

I called Goldman Sachs Bank USA several times to dispute the charges and on each time time they advised me that I would not be held responsible for the 3 charges and then they would reapply them back to my account for the same reason that I previously shopped at XXXX XXXX Again, they never looked at the statement prior to the fraud as it shows the charge from Illinois. 

Then on or about XX/XX/year>, I called Goldman Sachs Bank USA again to dispute the 3 charges, and they advised me that they would do so. Goldman Sachs Bank USA never addressed my redispute as they just kept billing me invalid interest charges. 

Then on XX/XX/year> at XXXX XXXX Goldman Sachs Bank USA illegally called me too early on a Monday Per FDCPA- The law limits how and when a debt collector can contact you about covered debts. There are also ways to stop a debt collector from contacting you ( see : How do I stop a debt collector from contacting me? ) Debt collectors cant contact you before XXXX XXXX. or after XXXX XXXX, unless you agree to it Link https : //consumer.ftc.gov/articles/debt-collection-faqs # collection Again, on or about XX/XX/year>, I called Goldman Sachs Bank USA to redisput the 3 rebilled charges and they confirmed on the phone that they would do that and I would not have to make any payment while they were reviewing it. I never received a letter confirming the acknowledgement of the dispute and they never put the 3 charges back into dispute. This is a direct violation of the Fair Credit Billing Act ( FCBA ). Listed below is the law- The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within two complete billing cycles which generally means it can not take longer than 90 days. 

Link https : //www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile.

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Checking or savings account

Complaint Against Capital One Bank Unauthorized Account XXXXeeze & Withheld Funds Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Capital One Bank regarding the unauthorized freezing of my 360 Savings and Checking accounts in XX/XX/year> without any prior notice or explanation. At the time, I had over {$11000.00} in my savings account, and Capital One refused to provide any reason for the freeze. 

Despite multiple attempts to resolve the matter, Capital One restricted my access to my funds and only returned my money in small, inconsistent increments ( e.g., {$250.00} or {$300.00} at a time ), rather than allowing me to withdraw the full balance. This caused significant financial hardship and emotional distress. To this day, I have not recovered all of my funds. 

I originally opened my 360 Savings and Checking accounts with Capital One in XXXX, left the bank, and then returned as a customer in summer 2022. The way Capital One handled my accounts was unethical and illegal, as they failed to provide transparency, denied me access to my own funds, and ultimately closed my account without justification. 

I am seeking a settlement for damages caused by Capital Ones wrongful actions, including the unauthorized freezing of my account, financial losses, and the emotional distress caused by their misconduct. I request CFPBs assistance in holding Capital One accountable and ensuring I receive the compensation I am owed. 

Please advise on the next steps regarding this matter. 

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

Experian is reporting very low credit scores to business places where Ive applied. I try to get in contact with them but there is NO POSSIBLE way. I downloaded their app where they advertise a free report online. I did so about a year ago also but it consistently would NOT ever work. And then I found out this XX/XX/2020 they reported a very low credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS Acct # XXXX After disputing this account, it came back as verified and accurate. I was not sent the results of their validation. How is a collection account reporting a status of OPEN with one bureau and not the other. One Bureau deleted the account and the other two verified it as accurate. I demand the validation they received that is allowing them to report this inaccurate information. Also, I have attached the ORIGINAL letter FROM THE ORIGINAL CREDITOR that the account was approved to be covered by medical insurance. So please immediately show me the original proof of validation that was received and also DELETE THIS ACCOUNT IMMEDIATELY for INACCURATE REPORTING.
Product: Debt collection

I keep requesting the debt Validation, Showing the contract bearing my signature excepting the debt in question. the company only provided a bill from a company trying to collect. that's why there are laws in the USA that Provent company from fraud, accusing someone of a debt without presenting a contract bearing my signature. a bill is not validation of debt and a letter from a company stating anything is not validation of debt. A signed contract tying me to the debt is requested. if the Consumer Financial Protection Bureau ( CFPB ), will not take the proper steps to request validation a lawyer and sue will take place and any court will see if you can't produce a contract bearing my signature tying me to the debt. a violation of my rights and will take league action that will fall in my favor.
Product: Payday loan, title loan, or personal loan

as of XX/XX/2022 I was no longer able to pay this debt due lost hours at work and I started working with a debt agency and I have not made payment since XXXX and One Main has been informed Im working with debt agency and I removed my payment information and somehow they took an auto payment from my bank XXXX XX/XX/2022. they refuse to work with me and remove the unauthorized payment my loan number is XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Information is being reported on my consumer report that is fraudulent.
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. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.