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

My rights were violated under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report COMPANY : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT : UNSECURED DATE OPEN : XX/XX/2021 ORIGINAL BALANCE {$4300.00}
Product: Credit reporting or other personal consumer reports

According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am required to submit a picture ID, a bill, and a letter from an advocacy group supporting me due to XXXX XXXX related to human XXXX, as defined under XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documentation from the list of acceptable items, which, as per the law, only requires two documents. Additionally, I have included all necessary documents, including a victim determination letter in accordance with Rule 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Keep getting calls and emails and letters and cant apply to new credit cards. Not a good look for companies to be doing this.
Product: Payday loan

Insta Loan, XXXX XXXX Ga, PROMISED me they would report my payments to the credit bureaus but never have. Their manager still contends they are reporting it but I have never seen it on my credit reports and XXXX says they have not. Insta Loan FALSELY gave me information under pretences to get my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written four letters disputing XXXX XXXX XXXX from Experian and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against Capital One violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to Capital One started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). Capital one 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. Capital Ones response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with Capital One yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To Capital One to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as Capital one States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : -IN 2018 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} ; XXXXXXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX  Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$150.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX  ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 


According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Under 15 USC, I am notifying you of identity theft resulting from data breaches ( XXXX, XXXX ) that led to fraudulent accounts harming my credit. Despite disputes and a 2020 police report, my claims were denied. I request these fraudulent items be permanently removed, as they unjustly impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I have a current car loan out through Global lending services since XX/XX/XXXX when I purchased the used car. I have kept up with my payments every month. Regarding a payment made on XX/XX/XXXX I paid my full months balance of {$410.00}. This payment was due on XX/XX/XXXX which there is a 15 day grace period which this payment was in. I just aid with my XXXX XXXX XXXX debit card and have a confirmation number from global lending services website where I make payments. The payment also posted on XXXX XXXX XXXX end on XX/XX/XXXX. Didnt have any issues with all that til now. NowXX/XX/XXXX global lending services says my bank reversed the payment from XX/XX/XXXX and I went through my whole account dating back to when I first purchased the car XX/XX/XXXX and that payment was not reversed. Its posted on XXXX XXXX XXXX  end and I can print those transaction details. That payment was made to global lending services, and they wont hold my account or anything til we can get this resolved. They just put the payment back on my account no questions asked, and now claim Im 31 days past due which will effect my credit score Ive worked so hard to keep up. Ive paid them religiously and this wasnt something I agreed for XXXX to do and I didnt hear from GLS about that payment. They just put it on my account and XXXX XXXX  my credit because they did something and cant show proof anyone asked for those funds. I asked for some kind of notification the bank requested those funds, they said they have nothing like that, that they only have my payment history with them that shows that payment is reversed. Thats not helpful I want to know who said I agreed to let that payment reversed. This is just another way for them to XXXX  people out of more money. This needs to be resolved with my payment being put back on my account and my credit history and payment history unaffected. Ive also included the screen shot of the page and confirmation number for payment to GLS, Breakdowns and statement views of around XX/XX/XXXX as well as recent screen shot of recent activity on my account to show I have not received that payment back from XXXX. This needs to be fixed quickly.
Product: Credit card

XX/XX/XXXX Called tonight again. 

Synchrony Bank Discrimination - I am confused because as I near the end and paying off 3 accounts, they decided to close my account. I have never been late and the XXXX Customer Service agent just told me, they closed it because they THOUGHT that I might not pay although the accounts are under {$55.00} for XXXX, {$390.00} for XXXX XXXX and {$0.00} for XXXX XXXX XXXX. She said they closed my XXXX and XXXX based on my credit saying I might be a risk. I have had the accounts XXXX years and never late, some months pay more. I was to use XXXX to help son and that started me finding out they closed it. I am baffled. Please assist. 

I went into XXXX on XXXX XX/XX/XXXX to pay off account and the sales lady asked me why I closed it? I didn't I replied ( cursed ) and told her I just found out Synchrony closed my American Signature account and was waiting until after the holidays about it. I was baffled as I wanted to use the credit to get something for my son. 

I feel like they are discriminating against me based on my area, race, and what a projected AI told them I might be late or not pay because of high usage because I bought appliances, but everything was being paid on time for over 2 years with them and never late. 

They should be able to think a crystal ball is telling them my future based on what the AI projection said. They should look at my on-time payments and communication with them since we started our credit relationship. PERIOD!
Product: Checking or savings account

I received 2 notices, sent to an address I have not been living at for 20 years, for separate accounts from Truist Client Center titled " confirming your acceptance of Overdraft coverage ''. Calls to Truist have resulted in either, multiple hours on hold, transfers to the fraud department that disconnected, or no help because I would not provide my SSN ( not willing to provide more than the information on their mailers because they have already shown they shouldn't be trusted ). I did get through to the fraud department and they said I could expect something in the mail. What I received instead was notices from 2 more accounts ( now 4 accounts that I am aware of ). A call made today to the number on their website resulted in another transfer/disconnect ). I am currently on hold with their fraud department as I complete this form.
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX-XXXX  -- XX/XX/year> XXXX XXXX -- XX/XX/year> Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX without much help at all and multiple letters sent to TransUnion, XXXX and XXXX  requesting that false and inaccurate information be removed from my credit bureau reports. I have not received any success. Ive even told them that addresses and names on the credit file are incorrect and they refused to respond and correct it. On XX/XX/XXXX after many letters sent requesting that XXXX XXXX and XXXX XXXX XXXX XXXX be removed from my credit report as this alleged debt is false and inaccurate, it was removed. Only to be put right back on the credit bureau today XX/XX/XXXX. This has been a constant back and forth game with willful violation of the FCRA by these three credit bureau reporting agencies the item is removed, then put back on with out any notice at all to me by Transunion, XXXX and XXXX. It was removed again back on XX/XX/XXXX, this is a violation of the law. Then put back on. It was removed again on XX/XX/XXXX and put back on again. It was removed again on XX/XX/XXXX and put back on again. These are the games violations of the FCRA that TransUnion, XXXX  and XXXX  as they are in engaged in defamation of character and fraud. By the way I have provided all three credit bureau reporting agencies with copies of letters sent certified mail and registered mail to these credit bureaus requesting proof of these alleged debts and not on of them have provided proof, since they cant provided proof of accuracy to me I asked all three credit reporting agencies to provided me with the proof that these collection agencies provided to the, and not one credit bureau reporting agency has provided that XXXX me since XXXX. They should be shut down permanently for their willful violations of the FCRA.
Product: Vehicle loan or lease

I planned on selling my vehicle on the week of XX/XX/XXXX. I shopped around and received different quotes from local dealerships. XXXX XXXX at XXXX offered the highest trade in value. When they ran my payoff account, it was {$24000.00} if paid by XXXX XXXX. I sold my vehicle on XXXX XXXX. Suddenly the payoff amount changed to {$25000.00}. I called Toyota Financial and the lady said that the payoff amount increased to include next months bill. Why would you post a due date for a payoff amount and then change the payoff amount before the previous payoffs due date? The dealership said that they have to follow the new payoff amount but the TFS representative assured me that I would only be charged the {$24000.00} amount because I am paying before the XXXX XXXX due date. The dealership submitted the payoff amount of {$25000.00} on XX/XX/XXXX and I noticed on TFS website it only shows that {$24000.00} posted. I called and TFS is claiming thats the amount the dealership submitted but the dealership is claiming that they were only allowed to submit amount of {$25000.00} and TFS is supposed to write me a check for the overpayment. Its been almost 2 months and TFS has yet to send me a check for the overpayment of {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed for the second time, a collection account with XXXX and Experian   being reported on my credit report by XXXX XXXX XXXX. On the second request, the account was found inaccurate and deleted by Experian, but XXXX reported it " Verified/Updated ''. On XX/XX/2018 I notified XXXX XXXX of the inaccuracy found by Experian and asked them to either provide documentation of the verification they received or delete the account as well. 

On the XX/XX/2018 update from XXXX, the account with XXXX XXXX XXXX was reported back " Updated '' with no changes to the account, but not " verified ''. This account is still reporting on my credit file. 

The same issue has occurred with Experian. On the same dates as above, I disputed XXXX XXXX account with XXXX  and Experian. XXXX XXXX responded the account was unverified and deleted it. When I notified Experian of XXXX XXXX findings and asked them to comply, they also reported the account verified and updated on their next updated on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Since the summer I have tried to login to Experian account. It will not let me. I have followed all of the online options nothing works. When I call Experian their automated system refuses to transfer me to a live representative. 

I can only get me report through a XXXX subscription. This is insane. I can also no longer dispute Experian discrepancies even when I go through my fico account. It says my information is not accurate to verify me. 

This is abusive. I have even sent them screen shots of what their system does when I try to access my account and no response. 

I have uploaded and sent information to the following : https : //www.experian.com/consumer/upload/ " XXXX '' XXXX I have called the following numbers : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit .Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : National Credit Systems, Account Number : XXXX, Account Type : Collections, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection accounts has violated the rule of CFPB and FCRA since this was just recently opened last XX/XX/2022 and I never received any communication about these accounts,
Product: Checking or savings account

This is continues to happen every month for the past 6 plus months. I put a stop payment for Virtual Funds and the funds still came out of my account for {$47.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Product: Student loan

Navient calls 2 to 5 times a day. 1 time is sufficient. Sometimes it's from multiple numbers.
Product: Credit reporting or other personal consumer reports

I received a {$1000.00} limit from Synchrony XXXX XX/XX/XXXX XXXX interest for 24 months, 8 months later XX/XX/XXXX without any warning my credit limit was reduced to {$750.00} and closed ; which impacted my XXXX XXXX by more than XXXX points. According to the promotion I had 2 years to pay without interest, so I made minimum payments XXXX days early never later, no payment arrangements, or technical payment issues. Therefore, my account should never have been reduced and closed without warning. The company maliciously sabotaged my account with prejudice based on gerrymandering. I made the minimum payment amount offered, and never gave any indication, that I would not comply with the XXXX interest XXXX year promotion. On XX/XX/XXXX I paid the balance in full, and the promotion doesnt expire until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Product: Student loan

This letter is a formal complaint that Nelnet Student Loan ( Nelnet ) is reporting inaccurate credit information. I am very displeased and highly distraught to find that Nelnet has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, Nelnet has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearance 's and deferment 's after XX/XX/XXXX. Since the late payments were posted to my credit report on XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both Nelnet and the Office of the Ombudsman explaining that I have worked extremely hard to maintain my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.