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

I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Dates : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit bureaus for failing to properly investigate fraud on my credit report. I have been a victim of identity theft and tax fraud and have submitted multiple complaints to the credit bureaus to remove the fraudulent accounts from my credit report. However, to my disappointment, the credit bureaus have failed to remove these accounts from my report. 

The fraudulent accounts that remain on my credit report include XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$14000.00}, and XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$530.00}. In addition, there is another fraudulent account that has not been removed from my credit report. The account is with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1500.00}. 

I have repeatedly requested the credit bureaus to remove these accounts, but they have not taken any action, causing significant harm to my credit standing and financial well-being. 

I am seeking the assistance of the CFPB to resolve this issue and request that the credit bureaus take immediate action to remove these fraudulent accounts from my credit report. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my credit report, which equifax refuses to remove, i have a legal process going where, i will sue them if they do not remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card inquiries
Product: Credit reporting or other personal consumer reports

In early XXXX of this year, 2024, I noticed numerous inquires in my account that were hard. I did both authorize or verify these companies. I was completely unaware of the actions of the companies running my credit. Below I will attach an FTC report in which states all the companies that had unauthorized inquiries on my account.
Product: Money transfer, virtual currency, or money service

Won't let me access my account has been almost two months. Binance US exchange is a fraud and looking to steal my funds. Only got one response and that was a month ago saying they moved it up to escalations.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting

I have an item for XXXX XXXX on my credit bureau report. 
I recently disputed this account with Equifax, and the information was reported as verified and accurate. I 'm sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 
If they were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that they send me an explanation of the methods used, and a description of the records reviewed, when they conducted the investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I would also like to know the person whom they spoke with if this was done over the phone. I am attaching information from another credit bureau, showing this same debt was included in a bankruptcy that was discharged XX/XX/2010
Product: Credit card

I have a capital one venture X card, i used it to book a room via XXXX  and the charge was completed, when we arrived at hotel the hotel asked for the visa as security and then they went ahead and charged another unauthorized amount to the card, despite a lot of back and forth with capital one and the merchant providing fraudulent document that didnt have any signature or authorization and have clear altercation of signatures the bank refused to issue a reimbursement without clear explanation, citing that this is the visa company process!
Product: Mortgage

B of A continues to discriminate against XXXX XXXX based on his race, language, nation origin. We have attempted to rectify the numerous issues he has encountered with B of A to no avail. We previously submitted a complaint with regards to the failed loan modification review from XXXX 2016. B of A held on to the file for months stating the file was being reviewed before they finally admitted they were refusing to review the file. The run around for the mod review in XXXX 2016 was due to a Social security/ tax id number issue. It took them over 6 Months to finally inform us of the issue, as B of A employees failed to relay any useful information throughout those six months. We were finally made aware of the issue from B of A employee XXXX once the complaint was filed. We sent out form XXXX to B of A as requested. 
The reason for the complaint today is that 3 years ago B of A changed XXXX XXXX 's " social. '' He used XXXX to obtain the loan. XXXX is the number they currently have on file, and is what is currently being used to verify the account when the client and or our office call in. BANK OF AMERICA made the decision to make that change. One number is the social and one is a tax id. We have asked them why they made that change 3 years ago, and they have yet to inform us of that reason. Due to the change, they are REFUSING TO MOVE THE LOAN MODIFCATION FORWARD. They confirmed they have the docs, but the file sits there. Currently B of A is waiting on the IRS to verify some information. The information THEY decided to change. They do not know how long this will take, but they continue to move forward with the foreclosure. 
A full mod package was sent in XXXX and went nowhere. Once the XXXX form was sent in, we resubmitted a mod package. We called in weekly and were informed they had the docs, but are waiting on the IRS to get back to them. Bank of America is DUAL TRACKING. They have a complete modification package and yet are foreclosing due to an issue they created. At this time, we are demanding the sale date for XXXX be postponed until the issue is resolved, as well as answers be provided to the questions we have, or he will assert his legal right in district Court Naming Bank of America as a defendant.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some research into the laws regarding credit & consumer protections I found out that reporting agencies are in direct violation of my consumer rights. According to the FCRA 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 respect for the consumers 's right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I most certainly have a right to make sure my information is private and isn't shared which is backed by 15 USC 6801 that 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. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 Section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX and 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, XXXX XXXX XXXX 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 XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states " Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any other adverse item of formation, other than records of convictions of crimes which antedates the report by more than XXXX years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( 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 report to the purposes listed under section 1681b of this title. '' A consumer may exercise the right to opt out ay any time. I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I'm in the process of trying to buy a house and I am having a difficult time doing so due to my credit. I am writing this to delete the following information in my life. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Business is attempting to collect a towing fee for a vehicle I did not own when it was towed. Recently I faxed the following communication to the entities attempting to collect a debt from me : To : Lien Enforcement, Incorporated XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXXXXXXXXXX AND- XXXX Primary Business Address XXXX , CA XXXX Phone : XXXX Fax : XXXX E-mail : XXXXXXXXXXXX XXXX : XXXX XXXX XXXX I contacted the State of California Department of Motor Vehicles Investigations unit at ( XXXX ) XXXX regarding the XXXX XXXX XXXX VIN. # XXXX and spoke with XXXX - ID # XXXX. XXXX said that there is no record in the system that I was ever a registered owner of the vehicle, and because I was never a registered owner I can not obtain a record of registered owners for the vehicle. The DMV states the sale date on the release of liability is XXXX/XXXX/XXXX and it must be honored. I never completed the registration process nor paid to register the vehicle, and the DMV states ( The record is not permanently transferred out of your name until the DMV receives a completed application for transfer of ownership and payment of appropriate fees from the new owner. ) So you need to find whomever 's name was / is on the title for the vehicle. Finally, you are refusing to honor the sale date, speaking on behalf of the DMV, which you can not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/1999 with a credit limit of {$25000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate. 

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Closed onXX/XX/XXXX XXXX  XXXX Closed on XX/XX/ XXXX  XXXX XXXX  Closed on XX/XX/. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$470.00}
Product: Credit card

I received an unsolicited credit card account from Chase for an Amazon Visa credit card. It took a while but Chase 's fraud area did cancel it. 
Just to add evidence that it was a fraudulent action, the following day I received a letter from Chase saying my request for an Amazon Visa was denied due to 'duplicate request '.
Product: Debt collection

I've made several attempts to ensure I did not miss my due dates : XXXX/XXXX  payment methods does not allow multiple auto payment schedule dates. ThIs company Website only allows one payment schedule per month. This practice leaves customers/consumers open for miss payment and incurring late fee payment. Thus increasing the debt owed and the balance never ending. 
Calling customer service only credit one late payment fee. I was just recently been able to set up an additional auto payment with my bank 's new-bill pay option. This has caused me to make two monthly payment per month. I want to them to facilitate my & everyone 's payment options like other financial institutions allow. 
Below is a breakdown & actual bill statement also attached Please note the following. 
XXXX {$25.00} payment XXXX {$25.00} payment & XXXX {$27.00} late fees* XXXX {$27.00} payment XXXX {$25.00} payment XXXX {$27.00} payment XXXX {$25.00} payment = note I established two separate  payment option in XXXX for XX/XX/XXXX paymen & I still received a late fee in XXXX. 
XXXX {$25.00} payment XX/XX/XXXX {$25.00} payment XXXX {$37.00} LATE FEE XX/XX/XXXX {$25.00} PAYMENT XXXX {$27.00} LATE FEE XXXX NO PAYMENT XX/XX/XXXX {$27.00} PYMENT XX/XX/XXXX {$25.00} PAYMENT XX/XX/XXXX {$27.00} LATE FEE CREDIT FOR XXXX XX/XX/XXXX {$27.00} PAYMENT XXXX 27 LATE FEE 10 You will notice two payments made per month. This was established with my personal banking instituion to set AUTO PAYMENT to avoid late payments & its late fees. Since XXXX and I havent been back to However I was not able to go back to the CREDIT=XXXX/XXXX  TO STOP MY MONTHLY DOUBLE PAYMENT.Since this insititution does not accommodate multiple schedule on their website. Now I'm paying this bill twice. In as much as my debt with this institution will end faster. I am on a tight budget and can not afford to make double payments. 

I've establish the two bank payment due to XXXX/XXXX not allowiing multple payment dates thus causing me to miss scheduling a payment on time.and incurring late fees. i established the second bank bill pay option to avoid late fees in XXXX. In XXXX i received a late fee. 

Please this account is causing me undue stress and can very well be affecting my credit score due to their outdated payment system. as I attempt to make all my outstanding bill monthly payment on time with auto pay until my balance is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is to Capital One Auto Finance From XX/XX/XXXX to XX/XX/XXXX, For the last 5 + years they have been reporting incorrect payment history on a joint account. I've tried numerous times to dispute this account but they never changed anything, and as a result it has caused lenders to view me in such a way that I have been unable to obtain adequate auto financing and also had a period of time when I was homeless with 3 children and sleeping in a car.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX balance reported on my credit report by XXXX XXXX. Instead of fixing the error, Experian now reports that I carried a balance on the card of {$7400.00}. This is completely false. I made one in store purchase when I opened the account in the store of less than {$100.00}. I paid the balance in full and never activated the card when it arrived in the mail. I have been trying to get XXXX to fix this error and complained to Experian. Experian is now reporting I carried a {$7400.00} balance on the card which is completely false. I am trying to buy a car and can not do so because of XXXX XXXX  lying and Experian now joining in on the lies. I have ONE negative mark killng my XXXX XXXX -- all because of XXXX  and NOW Experian is perpetrating the fraud. I never carried a balance on the card. NEVER. I pay all my credits cards each month in full unless there is 0 % interest. XXXX is lying and so is Experian. No one will provide any proof. They are trying to extort money from me because there stupid {$40.00} charge in lying fees is now costing me thousands because I can not get a car loan. PLEASE ACTUALLY DO SOMETHING ABOUT THIS. I AM A SINGLE MOTHER TRYING TO PUT MY KIDS THROUGH SCHOOL. I AM TIRED OF ONLINE COMPLAINTS AND NOTHING GETS FIXED -- IT JUST GETS WORSE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I reached out via letter to MACYS XXXX XXXXo resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

My account with 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.

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.

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: Checking or savings account

Back in XX/XX/XXXX I made a complaint to Capital One Bank about possible fraud on my account so they recommended I open a new one and leave the old account alone so I opened a new account. The old account remained opened but it was locked. 

When I tried calling again they asked for all my identity information including full social security number, birthdate and even had me upload my ID. They did not give me access to my account because they believed I was a female and not a male and could not believe my name was XXXX being a man. I wanted to close it but was unable. They said in order to do this I had to go into the branch and prove who I was. Mind you, I opened the account when I lived in XXXX back in XXXX and I now live 6 hours away in XXXX, New York. There are no capital one branches in XXXX, New York. I decided not to fight and I left it alone. 

Fast forward to today Tuesday XX/XX/XXXX. I accidentally transferred {$50.00} my last {$50.00} into. The locked account. I decided to call them immediately and try to access the account so I can move that money into my newer checking account. I needed the money to get my wifes XXXX for XXXX as she is XXXX. I explained the situation all over again gave my Social Security number, my ID and all my identifying information. The man on the phone denied me. I asked for the manager of him. The manager was a female, she looked at my history and didnt understand why they wouldnt let me in the account if I had given my Social Security number, and upload my ID for verification and felt with humiliation and wasted time. She admitted to me that they thought that XXXX was supposed to be a female because my name even tho I sent in a clear picture of my ID clearly display im a male. 

I feel like because of my ethnic name. I was humiliated throughout this process and not given access to my account on several occasions. It took me three phone calls of humiliation and each call was over 30 minutes. I feel like I was treated very poorly and wish for something to be done in my favor. All interactions took place on their recorded lines so transcripts are available from all interactions. 

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

I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what XXXX XXXX srvc is, this fraudulent account need to be remove from my report because it's hurting my personal finance.