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

Dear Sir, Madam, or to whom elsewise it may concern, I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the XXXX XXXX reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

Listed below are the Accounts that are being challenged : XXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once! 

Listed below are the Collections that are being challenged : XXXX XXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once! 

XXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once!
Product: Credit card

I made a purchase through XXXX on XXXX using the Wayfair Citi Bank credit card. I never received the service I paid for so I contacted them and filed a dispute for XXXX also had filed disputes for the same purchase with XXXX XXXX XXXXXXXX XXXX XXXX and XXXX. Since then they returned my money but not Wayfair Citi Bank. Wayfair sent me a letter stating the dispute was denied because the merchant from XXXX stated I was friends with the people which was not true. I also filed a police report and they told me the people on XXXX collecting the money were probably involved in a scam and I also reported it to XXXX which they said they were investigating. I had to file another dispute with Wayfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americredit please remove inquiry off of XXXX  credit report
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized CERTIFIED CREDIT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper is the primary mortgage lender for our house. My wife and I filed for chapter XXXX bankruptcy in XX/XX/XXXX and received our discharge for completing the plan in XX/XX/XXXX. In short while under protection of the bankruptcy court, Mr.Cooper has reported that we had late or missing payments from XX/XX/XXXX through XX/XX/XXXX on our XXXX credit report. At no time in the 15 years that they held our mortgage, were we ever late or had missing payments. 

We have made several phone calls and logged many hours trying to resolve this issue with no results.
Product: Debt collection

My capital one credit card account was in good standing.. I got behind when I was incarcerated on XX/XX/XXXX... I had auto payments set-up ... I don't understand why they didn't give me a notice... Now I owe a debt I had no control over... I am think I'm a victim of fraud because my account was accessed while I was incarcerated...
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint has everything to do with Experian.com. Unfortunately, I do not have any dates ( over 4 to 6 months ) of me attempting many times to gain access and or verify my identification for them. 
The issue began when I was attempting to refinance my car as well as acquire a personal loan. Well, when the bank institutions needed to see all 3 credit bureau files, only 2 of them complied. I was told that Experian was not cooperating as if I placed a credit freeze on my account ( which I had not ). 
So, this problem began when I attempted to gain access to my own credit report with Experian. From what I gathered, Experian has had several data breaches over the years which forced them to tighten their security. Unfortunately, these breaches have made it impossible for me to gain access as well. I tried several times on my cell phone to create an account along with a password. Then, I needed to upload my identification. Immediately, afterward, I get an error message stating, " try back later '' or " system is down ''. I tried at least over 10 times to no avail. I called probably more than 20 times to Experian for assistance. However, the automated phone system doesn't give you the option to speak to a representative because it asks you ( the consumer ) limited questions that don't describe the problem. 
After about the 14 calls to Experian, somehow a representative took my call. This representative had language barriers. It was obvious she was from an XXXX country based upon her accent. Apparently, I challenged the REP because she had to place me on hold to seek more information from a supervisor to assist me. 
The REP stated, they were going to delete my account and that I create a brand new account using a desktop or laptop computer rather than my cell phone through XXXX XXXX browser. Of course, I wanted to attempt these instructions while I had the REP on the phone. Unfortunately, I was told, I could not attempt until 2 or 3 days later ( I'm guessing the system needed to reset my account ). 
After 3 days, I attempted to follow the instructions and the system stated, " error, try back later '' or " system is down '' all over again. Of course, I was going crazy because all I wanted is to give the banks authorization to access my Experian Credit Report. I don't really need to see my report. This has to be one of the most frustrating problems I have ever encountered.
Product: Debt collection

I C System has been sold a debt by XXXX XXXX XXXX from a XXXX account that I had in XXXX. This account was due to the cost of the equipment that had not been turned in. After moving into a new apartment at the same address, In XXXX I wanted to re-establish service, but in order to do this I had to pay the remaining balance and return the equipment, which I did. So this debt has been satisfied but after calling XXXX who is formerly XXXX XXXX, customer service explained had a balance of not {$240.00}, but of {$370.00}. I explained that its impossible to owe anything since I had turned in the equipment and paid the balance, and she agreed that I should not have balance owed.
Product: Vehicle loan or lease

I made my bi- weekly payment in whole for the entire months of XXXX on XXXX XXXX in the amount of XXXX. 

On XX/XX/XXXX. My car was disabled by the company and I late picking my XXXX children up from daycare which cost me XXXX in late fees The Representative Noticed it was the company fault and asked for me to send in proof of the daycare fees. 

On XX/XX/XXXX my car was doable once again stating that they needed a payment that they already have. My children were not able to go to school today nor was I able to go to work due to not being able to transport with out the car Im paying for. 

This company has cost me so much money in extra fees I cant possibly afford this.
Product: Vehicle loan or lease

Dear Sir or Madam : I am writing to dispute the following information in my file. 

American Honda Finance 90 days late / Derogatory in XX/XX/XXXX2020. 
I have attached a scanned letter from American Honda Financial letter that was written on XX/XX/XXXX 2020. 


I have been leasing with American Honda Financial for 6 years and have never had a late payment. During the pandemic, an employee from Honda told me that I can turn in my car 3 months earlier to avoid fees ( I was supposed to turn in my car in XX/XX/XXXX ). I did this at the end of XX/XX/XXXX2020 and was told that my remaining balance will be sent via mail. I did not receive anything in the mail, In XXXX, Honda financial contacted me via phone call wanting me to pay all these outrageous charges, I asked them for a detailed explanation and they kept on insisting that everything is sent out in the mail, I NEVER RECEIVED THIS. In XXXX they proposed to give me a discount but never told me about reporting me late since we are still in the negotiation stage. In XXXX XXXX PLEASE SEE LETTER ATTACHED ) A letter dated XX/XX/XXXX, 2020 clearly states that If I do not pay within 10 days and/or if my account reaches 120 days past due, I will be reported to the credit bureaus ( I did not receive any letter that I will be reported to the credit bureaus if I was XXXX day late. NOT A SINGLE LETTER ). I was going to pay this on Monday, XXXX XXXX, 2020 but on XX/XX/XXXX 2020 on XXXX XXXX, American Honda Financial took it upon themselves to report me and give me a derogatory remark. Confused, I tried to call them but their offices were closed on XX/XX/XXXX and XXXX due to the holidays. I called them on Monday- XX/XX/XXXX and told them they inaccurately reported me and asked if I could pay that day ( Since I still have until XX/XX/XXXX as stated in their letter to pay ) and asked them to delete the inaccurate information and they refused. They argued that I should know that I was already late and they did not have to state it in a letter I am truly appalled by this statement, I have done my research and it is unlawful to report inaccurate information to the credit bureaus. American Honda Financial should be held accountable for the false information they send their loyal customers. 

As you know it has been a rough 2020 and I have been greatly affected by covid-19 both personally and financially. This inaccurate report has made things worse and is the least I want in my account.

I have been reaching out to American Honda Financial but I am given the same answer. To date, the balance has been paid off. I kindly ask that you investigate this matter and have this negative report taken out as soon as possible.

Thank you very much in advance.

Kind regards, XXXX XXXX
Product: Credit reporting

In XX/XX/2015 I noticed an unknown entry on my Equifax credit report from a " XXXX Collection Service '', which also goes by the name " XXXX '', Acct # XXXX. On XXXX, I sent a certified letter, was received on XXXX, requesting validation. I did n't get a response at all. In a letter sent XXXX, I disputed the above tradeline with Equifax. In a response dated XXXX, Equifax " Verified '' the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported XXXX XXXX XXXX XXXX Company ) transaction on my report as late payments which decreased my score. According to consumer law no transactions should be reported. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Collection agency gc services for XXXX XXXX has an account for me that is fraud. This is the second time XXXX let someone open an account in my name .I disputed the first one and it was removed. I asked them if the could allow a block or note regarding my name in there system so no ine would be able to open another account in my name, and nothing was done.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and Identity Theft. 
Please, block and delete the account within XXXX business days pursuant to FCRA XXXX XXXX. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit Reporting act XXXX Account # XXXX Has violated my rights. 
XXXX5 USC 1681 section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states an Consumer Reporting Agency can not Furnish a account without my written Instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account, or an open consumer credit plan as late For Any Purpose.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE AND UPDATE THOSE FOLLOWING ACCOUNTS I FILE FTC REGARDING THIS ACCOUTS BECAUSE IT IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4100.00}
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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In XXXX of XXXX, my wife and I opened an online savings account with XXXX bank XXXX an internet based bank ) and based on verbal representations and documentation were led to believe that our account 's interest rate would fluctuate based on prevailing rates. We deposited a large amount of money and our decision was based on what we had been told, that XXXX would increase ( or decrease XXXX our interest rate of return based on prevailing interest rate conditions. 

Instead, as interest rates went up to 1.45 % APY, the bank kept our interest rate earnings at the original 1.15 % APY. In late XXXX XXXX I discovered that XXXX had created XXXX renamed XXXX their savings account product and that for weeks or months they had been opening new savings accounts at a rate much higher than the 1.15 % they were paying us. 

In early XXXX I phoned them and stated that I was upset that they had neither raised our interest rate as had been promised, or at least notified us that they had created a higher interest rate savings product that we could have switched our money into. I requested that they make it up to us by computing how much we should have earned at the higher rate and adding it to our existing account. After waiting 5 days for an answer, I was finally refused. We have since moved our savings out of XXXX. 

I honestly believe that XXXX bank defrauded us out of the earnings we would have and should have earned if they had stuck to their promise of raising ( or lowering XXXX our interest rate based on prevailing rates. Instead, to cheat us out of what we were entitled too, they renamed their savings account product in order to avoid paying us a higher interest rate, then told me I should have switched into the new account. We suffered lower earnings and income as a result of their fraudulent misrepresentation. XXXX is playing a cheaters game by lying to customers that they will raise the interest rates they pay their savings account holders and then failing to do so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. It has come to my attention that these erroneous entries are tarnishing my creditworthiness and standing, posing a grave injustice to my financial integrity. These accounts are blatantly false and do not reflect any financial transactions or agreements made by me. I have duly submitted the required FTC report complaint I filed at https : //www.identitytheft.gov/ and the banks have removed the accounts from other credit bureaus upon receiving my complaint. Furthermore, other credit bureaus have already deleted the accounts from their records and now I am questioning myself on waht kind of investigation have you made to still post those fraudulent accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed XXXX ( an account that I have disputed multiple times ) and added it back to my report without notifying me.
Product: Checking or savings account

They closed my Robinhood account whiles theres an amount in it without giving me my money back. I can log into the account but cant do anything.
Product: Debt collection

ALL XXXX XXXX XXXX has violated my rights and broken laws in doing so according to 15 US code 1692b.section 5 ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE PURPOSE OF ACQUIRING LOCATION INFORMATIOM ABOUT THE CONSUMER HALL NOT USE ANY LANGUAGE OR SYNBOL ON ANY ENEVLOPE OR IN CONTENTS OF ANY COMMUNICATION EFFECTED BY MAILS OR TELEGRAM THAT INDICATES THAT DEBT COLLECTOR IS IN THE DEBT COLLECTING BUSINESS OR COMMUNICATION RELATES TO COLLECTION OF DEBT. 
15 US CODE 1692D HARRASSMENT OR ABUSE .SECTION 5 A DEBT COLLECTOR SHALL NOT CAUSE A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH INTENT TO ANNY ABUSE OR HARRASS ANY PERSON AT THE CALLED NUMBER.