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

On XX/XX/2020, US BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/XXXX XXXX I add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

XX/XX/2023 of {$95.00} to XXXX was not handled properly by Chase. Merchant agrees with me, but Chase in an XX/XX/XXXX letter tells me charge was proper, but see annexed letter from merchant. Amount was to be credited. Letter from merchant XXXX is annexed yet Chase continues to bill me. Ugh- please help. Annexed is letter from merchant. Please tell morons at Chase to fix this and reverse any unwarranted charges to my account.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX / {$4100.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX / {$3900.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online to Experian regarding several the XXXX times XXXX XXXX of CA is on my credit report. Experian never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX. The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.
Product: Credit card or prepaid card

I purchased a XXXX flight with two different airline companies providing each direction. I had to cancel the flight and received an airline credit for each airline. I received an email for each flight segment with a locator code indicating that I could use my flight credit within 1 year. The email did not contain restrictions. When I called XXXX to rebook the flight they indicated that I now had restrictions. I was the promised by XXXX that i would be able to access my new flight via their website, so i followed their instructions ad created a log in and after hours spent on their site i was unable to locate any flight booked for me. 

I filed a dispute with capitalone on XX/XX/2022. The next notification I received let me kow that they had not received documents related to my dispute and were closing it. I called up ad they reopened the dispute, one month later they closed the dispute again, I called the third time and the agent told me my dispute was closed because i had never submitted documents. I replied that i had never received the mail from capitalone and the agent said that i could only access my dispute files by downloading the capitalone app. I let him know that I was never informed of this new requirement and the agent said all their agents are trained to inform customers to access dispute files via the app. He then stated that because I did not have paper billing that is why i had never received the mail, so i switched at that moment to paper billing. I subsequently returned the documents via fax and received a later email from capitalone that i had never returned the documents. To further complicate matters, When I called the airlines for resolution they said to contact XXXX, when i contacted XXXX  they said i needed to work directly with the airlines. I utilized XXXX because there was a card holder incentive to purchase via that vendor in order to receive cashback. Ultimately I am out of pocket for the {$360.00} for the XXXX flight and {$290.00} that XXXX said today XXXX that i would have to contact the airline to see if they would honor the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to PROFESSIONAL DEBT MEDIATION and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 100 complaints on XXXX they also have over 600 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX ears 15 U.S.C. 1681S-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the I person knows or has reasonable cause to belleve that the intormation is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company CREDIT ACCEPTANCE CORP and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting or other personal consumer reports

Company reported on my credit report that I do not recognize that i've never done business with also states amount large sums of money that says I owe them never done. Business with them never signed any documents.Never agreed anything with them always harassing me
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian 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 Date of Late Payment : XXXX XXXX XXXX of Complaint : On XX/XX/year>, I submitted a dispute to Experian disputing a XXXX payment reported by. XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company. 
I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX, 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: Student loan

I submitted my annual re-certification information for my income-based repayment plan several weeks ago. Two days after the plan was due, I received a letter in the mail letting me know it was rejected because I did n't submit my tax return ( which I did ) and I did n't submit the " eCertification '' form. The instructions never included a requirement for an eCertification form. I logged into my tax preparer website and could only locate a screenshot verifying that my tax return was submitted successfully. I called customer service and they are n't familiar with this form either. Since they will only correspond by mail, I am worried that I will submit this screenshot only to be rejected. Second, enclosed in the letter I received, are instructions for my spouse to login to the studentloan.gov page to authorize my IBR submission. No where in the original instructions was this requirement disclosed to me. I have done this for other servicers, but it is included in the instruction. I would have done this weeks ago had I known. However, I am not sure this is even a requirement because the instructions are vague and there is no mention of this in the letter. I asked customer service and they said for my husband to do this asap. He did, but the code they sent did n't work! So I am in limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account # XXXX To Corporate Capital and Experian This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit card or prepaid card

In Accordance with the Fair Credit reporting Act XXXXXXXX XXXX Account # XXXX has 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 : II 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

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that which shouldn't be reported as late. 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 : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I filed a previous complaintthat was sent to the company directy in which are refusing to update the information and has not provided proof. In addition to that they are charging me either {$25.00} or {$40.00} for late fees, and will not provide an explanation as to why they have charged these different amounts Please re-investigate and request 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 shouldn't be reported as late. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

Someone tried to open a checking account by impersonating me and trying to steal my identity. The bank said they would close the account but the individual needs to be found that did this. I was alerted by email 4 times on XX/XX/2021 that a person had enrolled in online banking at the bank at " updated '' their email address to mine.
Product: Credit reporting or other personal consumer reports

Bank of America refuses to accept that the service provided in the branch was not good and that the manager didn't have enough knowledge to sell it and explain the product correctly, leading to a hard inquiry in my credit and a XXXX approval for the line of credit requested, when manager reviewed ALL DOCUMENTATION and NUMBERS PRIOR and said our business was eligible for up to XXXX and this was the product to go for. So, I want to review all messages, emails, and recordings from the bank together with the Bank and Consumer Finance Bureau to attest and recognize the service mistake. I do not need any more products or services from Bank of America ; I just need Bank of America to have competent managers who know what they are doing and selling and the hard inquiry removed, given the bank 's misleading and conducting this process.
Product: Credit reporting or other personal consumer reports

My father had been hiding assets and money since XXXX when I had to stop working as a full-time XXXX  due to my XXXX XXXX XXXXXXXX and resulting XXXX XXXX. My dad got credit cards in my name without my knowledge, consolidated my XXXX  loans into my name without telling me and took out multiple loans and mortgages on my childhood home in XXXX. After my parents divorced, my father left my mom with nothing and ruined both our credit, which has left us struggling financially. We live paycheck to paycheck on my XXXX  salary and my moms portion of my dads monthly XXXX XXXX check. My father took out a loan for my XXXX XXXX  and it was understood he would pay for my XXXX. In XXXX, I XXXX  from XXXX  XXXX in four years with XXXX XXXX, a XXXX. in XXXX and a XXXX in XXXX XXXX. I went back to XXXX to get my XXXX XXXX XXXX in XXXX  and XXXX  in XXXX. I began working as a XXXX XXXX XXXX in XXXX. After I had to temporarily stop working in XXXX due to XXXX XXXX XXXX, later XXXX  as the XXXX  XXXX, XXXX, my dad consolidated both loans and transferred them into my name without my consent or knowledge. I was very XXXX  at the time and not yet XXXX. Those XXXX  loans are now solely in my name and are on my credit report. Due to his fraudulent actions, I have unable to get a car loan, credit cards, or buy a home for my son, my mother and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE INQUIRIES THAT I DID NOT AUTHORIZED AND 2 NEGATIVE ACCOUNTS THAT ARE NOT MINE
Product: Credit card

So, this is going back several years. I lost a job back XXXX and I fell behind on several bills. Discover was one of them, and I was required to show up at my local court to make a settlement. I was told that I owed like $ XXXX and was required to pay it back by making weekly payments of like {$50.00} a week for like 4-5 years. I did this up until like XXXX and they stopped taking the {$50.00} a week, so after a period of time, I assumed I was paid up. Fast forward to like XXXX of this year ( XXXX ) four year later, and I received a letter which I didn't really understand, so I immediately called XXXX XXXX XXXX here out of XXXX who was representing Discover Financial Services. They informed me that because 10 years was about to come up, that it was a letter for a " Motion to Revive a dormant judgement ''. I immediately called XXXX XXXX XXXX to discuss this, where they had been deducting {$50.00} a week for 4-5 years that stopped in XXXX, so I didn't understand this. They said I still owed money. I asked why after four ( 4 ) years had no one called me, emailed me or sent me anything in the mail to explain this. I was basically told that they dropped the ball during COVID, and that they had just caught this, and indicated that I still owed money. I didn't understand this, so I said I'm not going to pay something without proof of showing what I paid against what they said I still owed, because four years had gone by, and this struck me as being odd. I asked them, or Discover send me a history of my payments made over the time they automatically took weekly payments out of my weekly checks, reflecting/proving that I still owed what they said. I made this request twice to XXXX XXXX XXXX, but yet I never received the requested info. I've been proactive the entire time. 
Today while traveling for the holidays, I went to get gas on our drive to learn that my bank accounts had been drained of {$3100.00} dollars, leaving me with no money. I don't understand how this can happen after all of my efforts, and if I can take legal action against XXXX XXXX XXXX and/or Discover I will.

I'd like this matter to be researched to the fullest extent, and an explanation of why I was blindsided with my bank account be drained, after all of my efforts to simply get a history of all my payments against what they said I still owed. I don't think after four years passing where I was told I still owed money, this is asking too much.

I need help and assistants to help explain this, and the situation I'm now in during the Holiday season and travel with {$3100.00} be drained from my account today. 
Thanks for your time, efforts and consideration in advance. 
Regards, XXXX XXXX XXXX XXXX XXXX