23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Volkswagen credit, month of XXXX, XXXX, XXXX I made a payment through a credit card without being informed that credit cards are not accepted which is unheard so throughout the whole time I assumed I was fine I paid everything on time besides XXXX I wish someone would of called me or told me that payment didnt go through or credit cards were not accepted I reached out the resolve the issue and nothing could be done even though I was not told or informed I never make late payments only once due to health problems in 2017 now my credit history is gon na be effected negatively because of them not informing me that credit cards werent able to be used
Product: Checking or savings account

Citibank was running a promotion for their various Savings accounts, where a new account would receive a {$400.00} bonus after depositing {$15000.00} in a new account within 15 days of account creation, and maintaining that balance for 60 days. 

I signed up for the account using a direct link on their website on XX/XX/19, deposited {$15000.00} on XX/XX/19, within their 15 day day window, and account has remained above the minimum {$15000.00} balance for the past 90 days. 

I've spoken with Customer Service, and they are having " internal difficulties '' finding the registration code on my account, even though I spoke to a representative a week after funding my account and they noted that all requirements had been completed, but would have to wait the stated 60 days before receiving the bonus.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, TransUnion, and XXXX are reporting bankruptcies on my client 's credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. TransUnion is falsely reporting this information on my client 's credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer RighXXXX to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts contain inaccurate information. Please investigate and verify the following information.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the handling of my recent attempts to correct inaccuracies on my credit report. I believe it is my right to have accurate and up-to-date information on my credit report, and I have made diligent efforts to rectify the errors that have been negatively impacting my creditworthiness. 

I first noticed discrepancies in my credit report when I requested a copy from your agency. Specifically, I found that there were late open accounts listed that I believed to be inaccurate. To rectify this issue, I promptly filed a dispute with your agency in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite providing all the required documentation and evidence to support my dispute, I received no resolution or response from your agency within the 30-day period stipulated by the FCRA. This lack of response prompted me to escalate the matter by sending a second dispute letter. Again, I provided all the necessary documentation and waited for a response.

To my dismay, I have yet to receive any meaningful communication from your agency regarding the status of my disputes. This is a clear violation of the FCRA, which mandates that credit reporting agencies must investigate disputes within a reasonable timeframe and respond to consumers in a timely manner. 

I understand that errors can occur, but I have made multiple attempts to have these inaccuracies corrected, and the lack of response from your agency is not only frustrating but also damaging to my financial well-being. These inaccuracies have resulted in unfavorable terms and increased interest rates on loans and credit cards, causing me financial hardship. 

If this matter is not addressed promptly and satisfactorily, I will have no choice but to escalate my complaint to the appropriate regulatory authorities and consider legal action to protect my rights as a consumer. Please assist me to correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX sent debt to XXXX XXXX XXXX. Will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX plans XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the XXXX. I do not owe {$62.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the XXXX as well. XXXX and XXXX have validated and removed accordingly.
Product: Debt collection

I am currently receiving collection letters from Ad Astra ( collection agency ) on behalf of XXXX XXXX. Ad Astra is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. 

This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. 

My first attempt i contacted ad Astra to notify them that this collection is fraudulent. They did not want to hear my complaint. 
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE. with no successful resolution. XXXX asd XXXX  was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX XX/XX/2018
Product: Debt collection

XXXX XXXX XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX Experian XXXX and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

In accordance with the Fair Credit Reporting actXX/XX/XXXXXX/XX/XXXX Account # XXXX, Date opened XXXX XXXX,XX/XX/XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXXXX/XX/XXXX Account # XXXX Date opened XX/XX/XXXX, two credit cards from XX/XX/XXXX Account # XXXX Date opened XX/XX/XXXXXX/XX/XXXXfrom XXXX XXXX account number # XXXX, XX/XX/XXXX account # XXXX opened XX/XX/XXXX, hard inquiry Experian business cred on XXXX, hard inquiry XX/XX/vt on XXXX, hard inquiry XX/XX/ on XXXX XXXX hard inquiryXX/XX/XXXX on XXXX XXXX. All the accounts above have 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX CXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a collection account appearing on my credit report. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 
1692g, I am requesting detailed validation of the debt in question. 
Account Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ) Amount : [ Debt Amount ) I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address. 
2. Documentation evidencing that the collection agency has legal authority to collect this debt. 
3. A complete accounting of the alleged debt, including all charges, fees, and interest applied. 
I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency. 
Furthermore, please provide verification that the statute of limitations on this debt has not expired. 
I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute. 
Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and your scoreoliaze gh the FDCPA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account, and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove this once its confirmed that this is not mine.
Product: Credit card

On XX/XX/year>, I signed up for what I believed to be a free account with XXXX through their XXXX plugin, which was promoted as offering basic features at no cost. As part of the signup process, I was required to enter my credit card information. The request for a credit card was described as a verification measure to prevent spam, not as part of any paid trial or auto-upgrade plan. There was no clear disclosure that I was agreeing to future charges or upgrades. 

On XX/XX/year>, XXXX charged my credit card {$290.00} without any prior notice or confirmation. I did not notice the charge until XX/XX/year> when I reviewed my Discover account. This charge was unexpected, as I believed I had signed up only for a free account, not a trial or paid service. I was never informed during the signup process about any XXXX trial or auto-upgrade plan. This unexpected charge has caused significant financial hardship. 

I disputed the charge with Discover, submitting screenshots that reflected the sign-up process I encountered, showing that XXXX advertised their service as free. However, Discover ruled in XXXX favor, stating that I signed up for a trial plan and failed to cancel within the required timeframe. This does not align with my experience, and I also discovered discrepancies in the evidence provided by XXXX. 

XXXX claims that I purchased on XX/XX/year>, with a charge applied on XX/XX/XXXX. However, I have documentation showing that I initially signed up on XX/XX/year>, and the charge was processed on XXXX XXXX XXXX days after signup, without any notice or consent. 
The terms XXXX submitted as part of Discovers investigation appear different from what I initially saw during my signup process. Specifically, I was not notified about any auto-upgrade plan or XXXX trial, and the signup page XXXX now shows differs from what I encountered during my signup on XX/XX/XXXX. 
Despite these discrepancies in dates and terms, Discover dismissed my case and sided with the merchant without allowing me to provide further context or evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance reported it is incorrect it should be a balance of {$200.00} instead of {$400.00} this is inaccurate information reported into my credit files as well a violation of the FCRA due to the company reported the inaccurate information it must be removed by law.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below? Following 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. 

XXXX  XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report.
Product: Debt collection

I received a notice in the mail on XX/XX/XXXX about garnishment of my wages from XX/XX/XXXX. I never received any documents about this lawsuit. Was never served. They never verified the debt. This is stemming from an old credit card from XXXX I believe so it is past the statute of limitations on MN. The amount on that card was around {$1500.00}. They are claiming I now owe {$2200.00}. They have garnished/frozen my bank account and I can not pay my bills. I have sent 7 emails the last two weeks and called 5 times and left voicemails. They refuse to respond to me. I need an answer immediately for what the options are as they are now destroying my availability to pay my current bills which is unacceptable. Especially as this judgement I allegedly from XXXX and I never got any commutations about it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After submitting a police report, FTC report, and supporting documentation in regards to a fraudulent XXXX XXXX XXXX XXXX account for file number XXXX, today upon checking my most recent credit report, I became aware that the fraudulent XXXX XXXX XXXX XXXX account # XXXX have been placed back on my credit report without any notice to me or explanation. 
I have done all that I could do in regards to this fraud however TransUnion has refused to comply with me and the law. 
This matter must be expedited as it is adversely affecting me. 
Today, XX/XX/2019, I re-disputed this fraudulent account that was placed back on my report. 
TransUnion stated that e Oscar is responsible for corresponding with the alleged creditor. This is not substantial for such a case as mine. 
TransUnion does not even provide the entire account number for more precise validation. This is not fair and unethical to have an electronic database answer questions that a person should be responding to and correcting. 
I have been fighting this with TransUnion since the beginning of this year and I am still in the same place as I began. 
Since I have no more recourses, I must take additional steps to getting this issue resolved. I will be contacting their legal department at once if this account is not deleted for good.
Product: Credit reporting or other personal consumer reports

My identity was stolen and There is 140 inquires on my report that I did not do. last thing I have requested credit for was for XXXX XXXX XXXX I bought a new car in XXXX, that was all that was on my credit and school loans. now there is other inquires I did not make. there were so many but they were on there a few times each Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the credit berau to try to dispute them but there is so many. please help I did put a lock on my credit but the person who is stealing my information has acess to everything I have. he broke in my home and got my information off my computer and stole mail from me.
Product: Mortgage

For the past XXXX years since PennyMac became our servicer they have tried to impose a " cushion '' when they send their escrow analysis. After computing the amount I needed to have escrowed each month, the cushion is n't necessary. They claim that this practice is in accordance with state and federal law ; which I find dubious. When I called to dispute their analysis, and after being on hold for an extended period of time, they removed the cushion. I was told that the cushion is added automatically and that I would have to call them every year to have it removed.