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

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX  and I'm including it again. Please correct or delete the following items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Back in XX/XX/2023 {$300.00} Dollars was Stolen from my Account, Capital One 360 Checking accout XXXX ( Victim of Identity Theft ). I reported it to Capital One Bank I say around or between the XXXX or XXXX of XXXX. Capital Bank Closed my account and Denied my Claim. I reposted also to The Federal Trade Commission, Call my Locate Police Dept here in Texas Case Number XXXX XX/XX/2023, trying to prove to them, I didn't Still my own Money, the XXXX Tx PD instructed me to give them this number " they usually will give you your money back if you give them this case number ''. That Never happened. I have sense comtacted XXXX XXXX XXXX  over a Dozen times after they Closed my Account and Denied my claim, I even requested a Rebutial, They never Give me a Reason for the Dential of of the original Claim. Sense then the have been given the run around, after not excepting they way they where treating me and this claim the Flat out Told Me the There decision from the orginal Claim Stands With no Reason and after there So call rebuttal Filing... Again I filed the report with FTC, and Filed a Complaint with OCC and they referred my to you CFPB.
Product: Debt collection

Original Creditor Name- XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2019 {$350.00} Creditor Information- ASSETCARE LLC  XXXX Texas XXXX XXXX XXXX ) XXXX This showed up on my XXXX   account as a debt collection. I have XXXX  the info and believe it is a scam debt collection agency.
Product: Credit reporting or other personal consumer reports

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX states that I had a late payment on XX/XX/XXXX but before this showed another date, since I have started asking for the dates to be corrected, they just keep moving around one 30day late which never happened. This was sent to me on File Number XXXX of TransUnion Issued XX/XX/XXXX. 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 send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXX to XX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX XXXX 's side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates. 
Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX  XXXX confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Received seven phone calls from different phone numbers/different locations claiming to be Chase Bank representative trying to verify if i had applied for a Chase credit card.

I denied and the representative attempted to connect me to a Consumer Protection advocate. I disconnected but they continue to call. 
The numbers they used were as follows : XXXX Texas ( Claimed Texas ) XXXX Georgia XXXX Delaware ( Claimed Texas ) XXXX XXXX XXXX, Texas XXXX XXXX, Ohio XXXX Michigan XXXX XXXX, Missouri Hope this information is helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am desperate for help as I have XXXX XXXX. I work for XXXX XXXX and was on their resources HR page, looking at random benefits. One mentioned was XXXX XXXX, which is some site that offers a lot of random things like insurance, etc. I went to make an account, which required my employee ID to verify myself, as well as a driver 's license and my SSN. 
At no point during the account setup did it even hint at a credit pull. I've included screenshots of the account setup page for people from XXXX XXXX, and it does not mention anything about applying for -credit-. 
I wasn't applying for anything. I was simply making an account. The account setup had a " what we do with this information '' tab and it makes no mention of a credit pull. There was no warning! 
I just checked Experian and I indeed just got a hard inquiry. I've been working my XXXX off to keep my credit score high, as I want to mortgage shop in a few months. I haven't had a hard inquiry since XXXX. 
I am begging you to help me! There was no warning and I gave no consent to have this happen!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX  XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. If you can not provide me with this information in 15 days update the account to PAID/NEVER late and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One informed me with false information about business credit. Me and my partner were under the impression Capital One would be reporting the business spark card on the business credit file and not the personal file. I asked XXXX ( ID Number XXXX ) can a EIN be used to open business credit and not a SSN. She said No. I also wanted to know why Capital One is reporting Business expenses on my personal credit file. It is very misleading to have customers think they are getting business credit but it still reports on the personal, when the whole goal is to separate business from personal. Also, I want a limit increase on the business card to {$15000.00}. I wasn't happy with {$7500.00} to start when I've been building business credit for years.
Product: Credit reporting or other personal consumer reports

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX  **Date : XX/XX/XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Formal Complaint Against Upstart Loans** To Whom It May Concern : I am writing to file a formal complaint against Upstart Loans regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy.

Despite my previous attempts to resolve this issue directly with Upstart Loans, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. Upstart Loans must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth XXXX XXXX  XXXX XXXX of social : XXXX
Product: Credit card or prepaid card

My Macy American Express account is not reported to XXXX and XXXX and I would need have this account reported back to the credit bureau and then I will pay the full balance at local Macy mall in my city to continue the relationship with Citibank thanks
Product: Consumer Loan

My husband and I purchased a Jeep Wrangler XX/XX/XXXX with a auto loan from Chase Auto Finance. Due to the extreme financial times my husband and I filed for Bankruptcy XX/XX/XXXX. Our attorney requested several time a reaffirmation agreement from Chase but never received it, they said the mailed it and faxed it. When the bankruptcy was finalize there was not a reaffirmation agreement from Chase. We have made all our payments and received a letter from Chase saying that the loan was satisfied. Recently I was trying to clean up my credit reports and there were several items that were discharged in the filing which I spoke to and they notified the credit bureaus and the credit report was cleared. Chase had a note to the credit bureaus that there was a debt to Chase but it was closed. We asked them to remove this as it its considered a negative statement and affects my credit score. Chase refused to remove it even though they were paid in full. Though out the loan period Chase has been awful to work with as they never sent us any notice when the monthly payment was due since the beginning of the loan even though I requested it almost every month. 
Their position was that the loan was discharged in the bankruptcy filing because there was no reaffirmation agreement with them so they are under no obligation to accommodate us or notify the credit agencies that the comment should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.
Product: Credit reporting or other personal consumer reports

MY ONLY NAME AND CORRECT ADDRESS IS BELOW : DELETE ALL OTHER NAMES AND ADDRESSES SO I WON'T BE A VICTIM OF IDENTITY THIEF Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Product: Student loan

This is a continuation of my complaint : XXXX. 
2 times my request for a recalculation of my IBR has been rejected, both because of my wife 's self-certifcation letter. The first letter we submitted used exactly the same language as a letter that was accepted last time we did this. Both times the letter was rejected, the initial email did not say what was wrong with it. I had to call back for that information. The first time the letter was rejected it was because we did not explicitly state that it was " gross '' monthly pay. They mentioned no other issues. We fixed that, and the second time it was because the letter doesn't explicitly say " XXXX '' -- it only said " XXXX XXXX XXXX XXXX. '' Both times we have responded very promptly with amended letters. Our last amended letter was submitted on XX/XX/XXXX. Your website now tells me I shouldn't expect another response from XXXX  until XX/XX/XXXX. I called last week to see if this could be expedited under the circumstances. They couldn't tell me if it was going to be expedited - given that I haven't heard anything, I have to assume that this very reasonable request has fallen on deaf ears.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I invoked Covid forbearance protections in XXXX, my VA loan with XXXX was not delinquent. Instead of continuing to report my mortgage as current for the duration of my forbearance. XXXX  did not report my mortgage as current as required by the Cares Act and continued to suppress reporting any status until XX/XX/XXXX. My forbearance ended XX/XX/XXXX and I have made at least the regularly contractually scheduled monthly payment required at least since XX/XX/XXXX. 

XXXX  is improperly reporting my mortgage status for the duration of the forbearance and thereafter and is making it impossible for me to refinance due to the VA seasoning requirement to have 6 consecutive regular payments as reported by the credit agencies. Due to the suppression protection XXXX did not report the mortgage payments as current or delinquent but they where required to report the mortgage as current based on the Cares Act and the status of the loan when covid forbearance was invoked.
Product: Checking or savings account

XXXX wire transfer in the amount of {$1200.00} from XXXX XXXX accounts. However, our records do show a member-to-member transfer on XXXX XX/XX/XXXX in the amount of {$1200.00} that was initiated by our member via telephone. Should XXXX XXXX That was what navy fed I called my money was gone XXXX balance which I was incarcerated XXXX and XXXX XXXX too XXXX dollar and XXXX XXXX my credit card was charge as well and Im a victim of theft I have a police report case # XXXX a victim is a victim and when I tried to get my account restored and recover they denied replacing my XXXX check from a person I dont know who stolen my fund and charging my credit card leaving a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act there are several accounts attached that 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 consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I havent given anyone written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I recently disputed a collection that appeared on my credit report with all three credit agencies from a company called XXXX with the account number XXXX. I sent all three agencies an Identity Theft report from the FTC along with a police report as proof that I am a victim of identity theft and this account is not mine. All of them were removed except Experian. Experian sent me an email stating they gave all of my documents I mailed into them to dispute the item on my report to the collection agency to investigate on their own. That was my personal information that they now have. So of course when they dispute it, its accurate because you gave them my personal information, from my ID my social my address. I cant believe it. The FTC report and police report I dont mind but why give them my personal information.
Product: Credit card

On XX/XX/XXXX I submitted an order via Apple 's iOS app 'Apple Store ' and paid using Apple Pay. I authorized and was charged {$45.00} as expected and reflected on my receipt. However, when the charge posted the merchant, Apple, edited the charge to {$110.00}. 

On XX/XX/XXXX I reached out to Apple attempting to resolve the issue I was told " the amount you mentioned, {$110.00}, corresponds to the total sales tax. '' I explained that this is inaccurate, that I did not authorize {$110.00} and that my receipt total even indicates I was to be billed {$45.00}. They refused to correct the issue, just discontinued responding in our conversation, so I initiated a dispute with my credit card provider - Apple Card. 

Later, XX/XX/XXXX I contacted Apple Card support and disputed the difference in what I was charged vs what I authorized, which was {$68.00}. I provided my receipt from the transaction and screenshots of my interaction with the merchant. I was notified via email the dispute status had been updated to " Accepted and Opened '' and that a resolution would be provided no later than XX/XX/XXXX. 

On XX/XX/XXXX I was notified via email by Apple Card Support that the dispute status had been updated to " Merchant Responded '' and that a resolution would be provided no later than XX/XX/XXXX. 

On XX/XX/XXXX I was notified via email by Apple Card XXXX that the dispute status had been updated to " Completed ( Disputed charge ( XXXX ) will remain ) ''. 

On XX/XX/XXXX I requested an appeal and was notified via email by Apple Card Support that the dispute status had been updated to " Accepted and Re-Opened '' and that the investigation would be completed no later than XX/XX/XXXX. 

On XX/XX/XXXX I was notified via email by Apple Card Support that the dispute status had been updated to " Completed ( Disputed charge ( s ) will remain ) ''.

I also would like to note that I feel this issue would have been resolved months ago had I used any other credit card provider for the transaction, or if the merchant wasn't Apple. This is a billing discrepancy on Apple 's end and was paid for using the Apple Card, which as we all know is Apple 's branded card.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I recently submitted a complaint about Prizm Financial ( case # XXXX ). I was in the process of trading in the vehicle I had financed through them and they were all set to finance my new vehicle until they saw my complaint. Yes I had late payments because of my health but the agreement was on the table until they saw my complaint. Well since I traded my vehicle and received financing through another lender, they knew they were being paid off and yet they still reported negatively to the credit bureau. What XXXX!! Do not do business with this lender because their tactics are reprehensible.