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

I am writing to express my frustration and disappointment regarding the ongoing issues I have encountered while trying to delete my accounts with Credit Bureaus. Despite making numerous attempts to remove my late closed and charge off accounts, I have not been able to successfully do so, and I am growing increasingly concerned about the security of my personal information. 

I initially tried to delete my accounts by following the steps outlined in your website 's account management section. However, I encountered an error message that prevented me from completing the process. 

After the initial failed attempt, I made several more efforts on different occasions, thinking that the issue might have been temporary. Each time, I faced the same error, which made it impossible for me to proceed with the account 's removal. 

Frustrated by my repeated failures to remove my accounts, I reached out to your customer support team and explained the situation. Unfortunately, I have not received a satisfactory response or any assistance in resolving the issue. 

Due to the persistent inability to delete my accounts, I am growing increasingly concerned about the security of my personal information, including my data, email address, and other sensitive details associated with my account. I have the right to have my data removed in compliance with data protection regulations. 

I kindly request that you address this issue promptly and assist me in deleting my accounts without further delay. My trust in your company 's data management and customer service is rapidly diminishing, and I hope that resolving this matter will help restore some of that trust. 

Please provide clear instructions or direct assistance on how to successfully delete my account. Additionally, I request confirmation once my accounts has been removed from my credit report, along with a timeline for when this action will be completed. I am asking for your immediate assistance to remove the late closed and charge off accounts from my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$560.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! XXXX, Experian, and XXXX  have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 u.s.c 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 XXXX  XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2022 I MADE A PAYMENT ONLINE & ON THE BANKS PORTAL IT SHOWED " PAID '' THEN PAYMENT GOT RETURNED & REPRESENTATIVE TOLD ME I SHOULDNT DO ANYTHING BECASUE THEY WILL REPROCESS... IN THE MEANTIME IT SHOWED ONLINE THAT MY PAYMENT FOR XXXX WAS PAID. THEY NEVER REPROCCESED THE PAYMENT & WHEN I REALZIED ON XX/XX/XXXX I CALLED THEM & THEY SAID TOO BAD WE WILL REPORT AS 30 DAYS LATE I IMMEDIATLY MADE THE PAYMENT & HAVE BEEN IN GOOD STANDING SINCE. I NEVER MISSED ANY PAYMENT TO ANY CREDITOR IN 20 YEARS. THIS SITUATION RUINED MY CREDIT SCORE & I FEEL HELPLESS. THEY ALSO LIED TO ME ON THE PHONE ABOUT THE ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed you that this debt accrued to do fraudulent charges. I also reminded you that under the Visa Zero Liability policy I was not liable for fraudulent charges, which I had also informed to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of equifax Data breach. Unauthorized hard inquires on Equifax report. They refuse to remove them.
Product: Money transfer, virtual currency, or money service

Square is holding {$660.00} due to a dispute. However, they refuse to return my funds even after the dispute was resolved in my favor. They also attempted multiple ach transactions to collect a fee on that same {$660.00} transaction, which doesnt make sense if those funds were suspicious at the time. This resulted in my bank closing my only mainstream account. Square also closed my merchant account and makes it impossible to talk to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX XXXX, 2016 I updated my Paypal account due to the fact that my debit card account number had been changed. That same date I made a payment of {$110.00} that was set to process from the previously existing primary account but the payment was extracted from THE NEWLY ADDED account! I have a clear history of " careful exact '' payment processing on ALL purchases made.Upon careful consideration of the only variable I can only surmise that the " error '' on Paypal 's part was in their processing of the newly added account information not to the account that was checked ( and double checked ) before submitting said payment. It was due SOLEY to the error in THEIR processing technique directly resulting in overdraft fee 's of {$40.00}. 
XXXX/XXXX/2016 Withdrawal at ATM # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$110.00} - {$89.00} XXXX/XXXX/2016 Courtesy Pay fee {$30.00} - {$110.00} XXXX/XXXX/2016 {$6.00} - {$120.00} XXXX/XXXX/2016 Courtesy Pay fee {$10.00} - {$130.00} Though difficult to access means of communication as soon as I was aware of their error I informed Paypal of the " situation '' and to date I have received NO response. Contacting their resourced " customer service is not a viable option. What I did receive was the attached suspicious email ( from Paypal? ) I did not respond by logging onto my account but sent the suspicious email to Paypal XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXpaypal.com AND HAVE RECEIVED NO ACKNOWLEDGEMENT OR RESPONSE either regarding the money taken in error or an explanation or acknowledgment of any issue including if my accounts have been compromised! 
From : " XXXXXXXXpaypal.com '' & lt ; XXXXXXXXXXXX & gt ; To : XXXXXXXXXXXX Sent : Sunday, XXXX XXXX, 2016 XXXX Subject : paypal account access has been Iimited PayPal Notice to Customer, Your account access has been Iimited because we 've noticed significant changes in your account activity. As your payment processor, We need to understand these changes better. 
This Iimitation wiII affect your abiIity to : Payment for purchase Send or receive money Withdraw money Close your account What to do next : Please login Here to your account and provide the requested information XXXX XXXX at XXXX XXXX To XXXXXXXXpaypal.com Message body On XXXX XXXX added an account ending in XXXX ( preceding and CAUSING YOUR ERROR? ). I then made a payment that was by Paypal taken from the WRONG ACCOUNT causing {$40.00} in unnecessary unjustified bank charges! 
In more than a decade I have never had an issue! 
I am POSITIVE I made the payment from account ending XXXX! Not the newly added account IN MORE THAN A DECADE I ALWAYS CHECK AND DOUBLE CHECK! A refund of the {$40.00} should be made immediately! I will wait 24 hrs! THE ONLY VARIANT FACTOR was in adding a credit card then though NOT MAKING A PAYMENT FROM SAME! 
A {$40.00} refund for your processing error made to acct should be processed immediately! 
I HAVE MADE NUMEROUS ATTEMPTS TO RESOLVE THIS AND TO DATE HAVE NOT RECEIVED ANY RESPONSE!
Product: Credit reporting or other personal consumer reports

I sent XXXX dispute letters to Trans Union due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during XXXX. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXXXXXX XXXX was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.
Product: Vehicle loan or lease

I purchased a vehicle through J.D. Byrider/CNAC almost 9 years ago. I started having problems with the vehicle and with trying to get it fixed and stay current on the payments it became overwhelming so i included the car in my bankruptcy. I contacted CNAC to have the account removed from my credit reports but they have refused to do so. the vehicle i purchased caused enough problems, and even with all the repairs and money i had to put into the car i still made sure i paid my car note on time. I want the account deleted off of my credit reports as soon as possible.
Product: Debt collection

Amount {$160.00} and I do not own this amount. Please release this collection in my record as soon as possible. Best regards!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to XXXX. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today I logged into my Merrill lynch account and it says account blocked. I called the company and no one could give me any information
Product: Credit card or prepaid card

I had a promotion set to expire XX/XX/21. The amount due was {$950.00}. I paid {$1000.00} on XX/XX/21. I was still charged the deferred interest amount of {$300.00} despite paying the amount in full. When I called I was told the charge could not be reversed for XXXX reasons, one was that the amount didn't cover the promotion plus the monthly payment that was due. This is NOT correct. The monthly payment that was due was {$43.00}. The {$1000.00} covered BOTH the promotional balance set to expire and the monthly payment. I was then told it wouldn't be reversed because I didn't dispute within 20 days. They made the mistake, and now I'm forced to pay an additional {$300.00} even though the mistake was on their end. This should be criminal. The should not be allowed to take advantage of customers this way. They make PLENTY of money legally, taking advantage of customers to pay for their mistake because of some bs timeframe they put on me being able to catch it. It is shameful.
Product: Vehicle loan or lease

Well, I pay during COVID-19. My car was repossessed like three times and I paid each time like {$1000.00} to get it back because they actually told me there is a COVID-19 forgiving program that because I wasnt working that I will have three months that I wouldnt have to XXXX and then out of nowhere to ask me for three months worth of payment and I always been behind. Ill try to keep up, but then they said I old them a lot of money and they closed out my case.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXXXXXX Balance : {$79000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$84000.00} XXXX XXXX XXXXXXXX Balance : {$79000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX XXXX, XXXX 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 in 30 - 60 DAYS 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 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: Student loan

On XX/XX/23, I submitted a {$500.00} payment from my bank account to repay my federal loans and fulfill a {$340.00} payment that was due. I received a payment confirmation email with a payment confirmation # of XXXX. On XX/XX/23, I received an email from Aidvantage stating that my account is overdue. When I logged in today immediately after receiving that email ( XX/XX/23 ), I see that there have been no payments applied my to account. I have just submitted another {$500.00} payment on my account, which is now showing as past due. I've received another confirmation email, this time with payment confirmation # XXXX, but I have no idea if this payment will actually go through or not.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
EQUIFAX MORTGAGE SER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year>
Product: Checking or savings account

There was several situations when using my money the amounts are taken out of sequence amounts usage dates posted not as used but based on XXXX ram or reason. Which didnt make sense to me. Also I had several disputed charges that I didnt receive credit for nor an explanation on why not. Lots of discrepancies and disappearing money not accounted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?
Product: Vehicle loan or lease

Company is dragging their feet in lieu of a CFPB complaint. They know that the debt is paid, yet they refuse to update their records in order for me to be able to generate a lien release letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an invoice from GM Financial for a vehicle I traded in on or about XX/XX/XXXX. The vehicle in question was a single-pay lease so I had no monthly or outstanding payments. The statement date on the invoice is XX/XX/XXXX and is for {$430.00}. Upon receiving this invoice on XXXX  XX/XX/XXXX, I was suspicious of its validity as I was unaware of any outstanding balance, so on XX/XX/XXXX I elected to take the invoice to the dealership where I traded the vehicle and inquire about its validity. The dealership alerted me it was likely a " disposition fee '' and therefore was likely a valid bill. Upon receiving this information, I intended to call GM Financial on XXXX XX/XX/XXXX, and inquire about the reason for the outstanding balance and if valid, make payment. Much to my dismay, I received a credit alert on XXXX  XX/XX/XXXX that my credit score had decreased by XXXX points due to this surprise and questionable bill " being 30 days past due. '' This practice is outrageous and must be corrected. I received no prior invoice, phone call, email, etc... regarding this bill. The invoice date is only 12 days ago, and I received this bill only 3 days ago.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is XXXX Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, We stay in  XXXX  and worked with a legal professional registered with  XXXX  of  XXXX  to help our brother migrate to  XXXX . We paid his service fees on   XXXX   XXXX   XXXX   from our bank  XXXX   XXXX    XXXX    XXXX   XXXX  to  XXXX   XXXX   XXXX   XXXX  in  XXXX  and as the money was in USD it had to be routed through BANK OF AMERICA in USA. On   XXXX   XXXX   XXXX     our bank told us the money has been held by Bank of America as there were some  XXXX  entries missing from the recipient 's side ( Recipient 's name, occupation, address, residency status ) so we got this information and passed it to our bank and they forwarded it to Bank of America, then a couple of days later we were told by our bank that Bank of America has held the money under suspicion of an International Bounced Cheque list by my brothers name while my brother has never issued any cheques internationally or locally which can be verified by our bank in  XXXX .  <P/> The issue is the Invitation to Apply for  XXXX  PR is only valid for 90 days and coming  XXXX   XXXX  this invitation will expire and till date Bank of America has not responded to our plight via our bank. We tried to call bank of America Mr  XXXX   XXXX  from Bank of America Investigation and the person told us that we are not allowed to speak to anyone from the investigations department.  <P/> Seeing our time being critical we requested cancellation of this transaction about  1  week ago but Bank of America is not responding to our bank or us claiming pending investigation, so we made another payment via  XXXX   XXXX .  <P/> Kindly help us to get our {$3900.00} amount and we do not reside in USA to be going after Bank of America.  <P/> Thank You