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

I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted XXXX law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

XXXX XXXX
Product: Vehicle loan or lease

I voluntary turned in my XXXX XXXX due to mechanical issues with the cars engine that i have tried to get mechanics to fix this for me on several occasions. They keep explaining to me that there's no warranty on the vehicle and nothing can be done inless one invests highly priced new warranties on vehicle or gets a new engine. well we all know that times are hard and no-one can afford a highly priced items due to circumstances. I found out after I turned in the vehicle that there was a complaint going around about the models on XXXX due to engine problems and they would fix for free. Later I was advised to put this on as a complaint on credit file and to credit bureau to be taken off my report and not to be harrassed about making payments as I believe this isn't my fault and I'm not paying this.
Product: Debt collection

i had a pay day loan with a company called loan me. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( XXXX XXXX XXXX ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXXXXXX XXXX  with account number XXXX Remove due to inaccuracy - I never paid late If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

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

I am writing because I have noticed a variety of fraudulent accounts and fraudulent charges reported on my credit. I am a victim of identity theft and need these accounts and charges deleted to correct my credit report. I have reported the identity theft as well as the fraudulent charges and accounts that were found on my credit report to the Federal Trade Commissions Identity Theft Affidavit. Please have the following charges and accounts removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone stole my credit card and used it, it was a capital one credit card. Capital one took care of that immediately, but then on XX/XX/XXXX I got a capital one hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX  from XXXX  XXXX XXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX  account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.
Product: Debt collection

On XXXX XXXX I received an email from XXXX XXXX that I have an outstanding debt with XXXX XXXX XXXX them to validate this debt. On XX/XX/XXXX I requested from XXXX XXXX that the debt to be validated, their response was that the Debt was sent back to XXXX XXXX XXXX. I was then sent a letter by usps from a Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. They stated that i owed a XXXX to XXXX  XXXX XXXX. On XX/XX/2023. I requested for them to validate the debt by providing me with the signed agreement bearing my signature, On XX/XX/2023 I received Priority mail from a " XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ''. This mail contained a small claim writ from Stillman Law attorney for XXXX XXXX XXXX. it contained an assortment of documents with signatures by person in several jurisdiction namely Georgia, California, Michigan, Virginia and Connecticut. What was not included is the agreement which i supposedly signed. When I called the Clerk of Court to get more information, there was none available. Up to the point of me filing this complaint, I have not received that agreement with my signature nor the Answer form from the Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in quesiton is bogus/fraudulent. I tried disputing thru XXXX XXXX and XXXX XXXX to receive a response of " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. I then disputed with a certified letter in XXXX of 2021. Only to receive the same response. I was in XXXX when this account was opened fraudulently. I've requested the company send me proof I opened the account by providing my signature on original loan or contract documents. Which goes unanswered. This is my last step in having this REMOVED from my credit report via the Fair Credit Reporting Act. If you do not comply with my final request then I will be forced to file a law suit against the Firm. I'm clearly persistent and only want done what is right. Please comply and advise so we do not have to go to such drastic measures. Afterall, its not that much money. I just need it gone so my wife and I can purchase a home, hopefully before our little girl XXXX 

Thank you in advance, XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Law offices of Mitchell D Blum and associates on behalf of XXXX XXXX XXXX  of Ga. Ive been contacted by this and other companies regarding the same account. Ive denied these charges for many years. Ive successfully disputed it off my credit report and now its back under a new collection company.
Product: Money transfer, virtual currency, or money service

I opened a trouble ticket via email, as they will not handle these kind of issues over the phone. I have no access to my XXXX account where my funds are being held. I can not buy or sell with my coinbase account at all even after it had been verified and used the funding sources for over 90 days. I have called multiple times and emailed countless times and have not gotten a response. Seeing as how they are the only ones with access to my funds, this can't be legal. If a brick and mortar bank were to not give someone their funds the government would take care of it, but since I am an e-customer they don't have the sense of urgency they should.
Product: Credit reporting or other personal consumer reports

Dealership : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Disputing Information in Credit Report - Hard INquiry I am writing to dispute the following information that your company supplied to XXXX. The item " XXXX XXXX '' ( date : XX/XX/2024 ) is inaccurate because I only discussed the pricing of the vehicle. I was very clear that I was not talking about financing until I agreed on the price, and I did not sign nor verbalized any authorization.
Product: Mortgage

I have applied for a mortgage modification as well as a forbearance but was declined on the forebearance without a listed reason why. My loan is owned by XXXX XXXX and from my understanding Im allowed a forebarance for XXXX days and then can apply for an extension of XXXX Days. This company will not Talk to me and will not note my account. They have locked me out Of my online account because I submitted a request for a supervisor to look at My account. We were in a modification and got Laid off due to Covid amd they have tried to foreclose on us and forced us into a bankruptcy that we didnt need in order To save our home. They are XXXX XXXX who do not care at all that we have XXXX children and all of our money tied into this loan. I need help and need it fast so these people will be forced to follow the law and the options we are allowed to and governed by.
Product: Credit card or prepaid card

Summary * American Express ( AMEX ) made false and fraud advertising. 

Issue * My AMEX XXXX XXXX welcome offer was first confirmed then denied after I met the eligible purchases within first 6 months of Card Membership. 


What happened * AMEX XXXX XXXX XXXX offer ( XXXX membership point + {XXXX statement credit ) was double confirmed with AMEX official agent before I activated the credit card. 
* When I spend above {$XXXX} eligible purchases on the card within first 6 months of card membership, I tried to check again for my welcome offer deal. 
* Another agent said my welcome offer was denied. 
* I tried to contact Amex from online chat twice and give XXXX phone calls to address this issue, but there is no proactive response from Amex so far. 
* Amex made false and fraud advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX  # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.
Product: Student loan

Was unemployed from XXXX to XXXX. Called every month and told them I could n't make a payment. Told me the only option was to lower payment ; no deferment and no option for no payment. I was finally informed in XXXX that I could defer my payment for up to 12 if I paid {$50.00} for each loan every 2 months. After the 6 months were up I could not make any payments still and the only option was to lower payments and to have payments automatically withdraw from my credit card. Now I ca n't make my credit card payment after 6 months of the automatic withdraw coming out and I ca n't make the lower payment. I called twice and told them I need help ; I ca n't keep making the lower payment or any payment and they tell me they ca n't help and their is no options for help and I have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the creditor " Self Lender '' in regards to a FCRA VIOLATION with a closed account. The creditor is not reporting the SAME INFORMATION ACROSS ALL 3 CREDIT BUREAUS. All 3 reports show different information. This is a FCRA violation and a violation to my FCRA rights WHICH DEMANDS REMOVAL OF THE ACCT!! I have sent valid proof of this issue and the creditor still failed to comply to CORRECTION. By law due to these violations the account must be removed from the credit reports! I HAVE DISPUTED THE ACCT AND STILL DID NOT GET THE CORRECT RESOLUTION. 


MY PAYMENT HISTORY SHOWS TOTALLY DIFFERENT ON ALL 3 CREDIT REPORTS! 
ON XXXX IS SHOWS NO PAYMENT HISTORY AT ALL!!! >>>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

ON XXXX IT ONLY SHOWS PAYMENT HISTORY FROM XXXX. THE ACCOUNT CLOSED IN XXXX IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

ON XXXX IT ONLY SHOWS PARTIAL PAYMENT HISTORY.>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

THE DATES OF LAST ACTIVITY ARE ALSO DIFFERENT ON THE REPORTS>>THIS IS ANOTHER FCRA VIOLATION DUE TO INACCURATE REPORTING. 

THE DOCUMENTS ATTACHED SHOWS VALID PROOF OF ALL THESE FCRA CREDIT VIOLATIONS DUE TO INACCURACIES.
Product: Debt collection

I moved out and cancelled this account XX/XX/2022. I have already spoke with customer service last year for sending me to collections for charges after XX/XX/2022 and it was cleared and now I just had a new notice on my credit report for charges from XXXX XXXX XXXX at an address I had cancelled and did not live at the time. 

This has now been fixed for the second time and the debt collector on my credit report is incorrect
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime
s which antedates the report by more than seven years.

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

I have attempted to contact their legal representative to discuss their violations of federal laws and failure to validate the claimed 10 negative items and debt claims. They have continuously failed to respond to written demands for validation of the debts claimed, and further made comments that they will ruin my credit if I don't pay them. They have also violated the Telecommunications protection act and as a result owe me over {$27000.00} for the violations under that federal law. They have constantly and continuously failed to respond and correct their error, and have a history of only reporting derogatory information, and not the latter. They have been contacted 7 times without resolution.
Product: Credit reporting or other personal consumer reports

I identified accounts on my credit report that are part of ongoing litigation. Given the pending status, these are unfairly impacting my credit score.
Product: Credit card

To Whom It May Concern, I am writing to formally dispute the accuracy of multiple items listed on my credit report with Experian. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) indicate systemic issues with Experians investigation process, including failure to properly investigate disputes, reliance on unreliable furnishers, and inadequate dispute resolutions. 

I believe several accounts on my credit report are inaccurately reported as a result of these issues. Under the Fair Credit Reporting Act ( FCRA ), I request a comprehensive reinvestigation of all disputed items. I expect Experian to conduct a thorough review, forward all relevant dispute information to the respective furnishers, and provide me with the investigation results in a timely manner. 

Please remove or correct the inaccurate information and provide me with an updated credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

Background : On XX/XX/XXXX, I sent a request on line to XXXX XXXX XXXX to open a saving account, and within XXXX minutes I received a rejection from the bank due to : Your deposit account score is a number that reflects the information from your deposit account history in your consumer report. 

Then the bank suggested that I contact : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Telephone : XXXX earlywarning.com/consumer The issue : On XX/XX/XXXX, I contacted Early warning and asked them to send me a copy of my deposit account and informed them the reason for XXXX XXXX XXXXXXXX rejecting to open a saving account! 
So I was told that it will take 15 days to complete the report!! And I asked them, the report should be available since it was sent to XXXX XXXX XXXXXXXX. Then they said it is not compatible to be sent to me in current form! 
However as of today, about 60 days later, I have never received the report!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the second dispute that I have made to this agency, where there is wrong and unauthorized information, they did not provide me with evidence proving that said information is mine or authorized by me. ChexSystems, I must also conclude that you are reporting this information in error. 
Please note that your failure to respond to my request is a violation of the Fair Credit Reporting Act, as well as the continuing list of inaccurate and unverifiable information. 
information in my file. Unless I am notified otherwise within 30 days of receipt of your this notice, I will conclude that you and have waived all claims in this matter and that the matter is definitively closed. 
Similarly, if it is not removed from my ChexSystems file, I will file a lawsuit in small claims court to recover damages for your continued violation of the FCRA. 
Please note that this communication, for purposes of 15 USC 1692 et seq, has the same effect as a dispute over the validity of the alleged debt. This communication is also dispute over the validity of your claims related to. 
This communication has been sent in an attempt to correct your records and preserve my rights under the FCRA. Any information obtained from you will be collected as evidence if this matter remains unresolved. Please note that this letter is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting actXXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act: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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over two years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment from my credit report.