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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

Im a retired teacher with multiple XXXX that affect focus memory and cognitive activities. I receive accidental XXXX pension paid at end of month. Citizen Bank every month there is an overdraft at beginning of month so they collect fees all month. Every month I loose up to a quarter of my pension to fees. There appears to be a pattern of payments that are scheduled for first of month not posting to up to two weeks later. Even when I dont use account debits occur. Last month I had {$900.00} on Friday when I went into hospital and a XXXX XXXX overdraft when I got out. In past three years they have taken over {$4000.00} in fees.
Product: Credit card

Item was purchased ( ordered ) from Neiman Marcus ( XXXXXXXX XXXX XXXXXXXX ) using Capital One XXXX XXXX Credit Card in XX/XX/year>. The pair of XXXX slides were returned to the Neiman Marcus store due to the item being " deficient '' in quality, materials, craftsmanship, standard, etc. The item was returned to the store less than 30 days from purchase, before XX/XX/year>. 

The product for {$1100.00} has not been credited to account. 

Capital One XXXX XXXX requested additional information regarding transaction. Information was provided, confiming issue with product, date of return, etc. XXXX XXXX credit card company received 3 pages of documents regarding this matter per a link but has refused to upload the correspondence to the account ( rep verbally stated it was received ) I do not own the product. It was returned to Neiman Marcus, over a month ago! Neiman Marcus has confirmed posession and issue with product. 
Capital One XXXX XXXX account still reflects {$1100.00} charge for the deficient product though it was returned more than a month ago. 

Per credit card consumer laws and guidelines within the USA, " Claims and Defenses '' this account is due a credit for {$1100.00} plus interest for the past two billing cycles ( time frame from when the item was returned in and the posession of Neiman Marcus XXXXXXXX XXXX XXXX ) XXXX. I have reached out to the company, the product cost more than {$50.00}, there was a good faith effort to work with the seller XXXX. The item was defective!! 

XXXX. Capital One XXXX XXXX credit card is intentionally going against the dispute process for the credit card and charging item to account is unethical, contradictory to the contract. 
They are refusing to process and review the dispute in good faith, acknowledge that customer NO LONGER OWNS PRODUCT! 
XXXX. Each representative has providing false information confusing the situation more. 

XXXX. Capital One XXXX XXXX credit card is ghosting the situation and hurting credit score and credit card account. 

XXXX. While a dispute is being processed on an account there is supposed to be a credit and for me to be charged intererst and charges for an item that the credit card company has confirmed is in the possession of the store is OUTRAGEOUS! 
XXXX. This is a valid dispute and a chargeback credit on the XXXX XXXX Credit Card Account id due for {$1100.00} plus all associated fees!! 

It is now XX/XX/scrub>XXXX  The product was returned to the store over a month ago. XXXX has acknowledged that I am not in posession of the item. but refuses to credit account. A customer can not and shoud not be financially responsible for a defective product returned to store!!!
Product: Consumer Loan

I have put in a dispute 14 times with EQUIFAX ONLY. THEY WILL NOT FIX THE THIS ACCOUNT WHICH HAS BEEN CLOSED AND PAID IN FULL XX/XX/XXXX. 
I HAVE CALLED AND TOLD THAT ACCOUNT IS CLOSED, BUT IT IS N'T I GET EMAILS SAYING ALL FIXED BUT IS N'T. 
XXXX XXXX XXXX XXXX XXXX XXXX CLOSED {$0.00} BALANCE. STILL SHOWS OPEN AND {$9900.00} BALANCE. 
PLEASE FIX THIS ON THE EQUIFAX REPORT ONLY. TRANSUNION AND XXXX HAVE DONE THEIR WORK, BUT I KEEP GETTING CONF. # XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX. 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 XX/XX/2024 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 an 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.

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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting inaccurate information about me. Here are all the inaccuracies on my credit file : XXXX XXXX XXXX I do not owe a debt to this company. 

XXXXXXXX XXXX  I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX ( all 9 accounts are inaccurate ) I do not owe a debt to this company.
Product: Credit reporting or other personal consumer reports

I notified Equifax that the account XXXX is reporting without the name of the creditor and they failed to remove this account or explain how this was verified. They responded to CFPB complaint XXXX stating that THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. The item is still reporting, and I will attach my XX/XX/2024 credit report for your reference. Furthermore, you failed to notate this account was in dispute within 30 days now this account in violation. Per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), you failed to provide me with the names and business addresses of each individual who verified the aforementioned item. XXXX and XXXX deleted this unverified account. Please see the attached credit report which shows that there is no creditor and no notation of a dispute and remove the account XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to update information regarding my name, and information contained in my report relating to balances
Product: Credit card or prepaid card

Received Email credit card promotion from FNBO Bank on XX/XX/23. Email advised to click " activate now '' in order to accept/activate offer. Link was invalid. Logged directly into FNBO account to attempt acceptance. No such option existed. Contacted customer service and they acknowledged the problem and would get back to me. No response. Called again on XX/XX/XXXX and again was advised " we are aware of the problem '' and will have to manually add this promo onto your account. We will contact you. No response. Contacted FNBO customer service again around XX/XX/XXXX and spoke with a manger. He left me a vague message and then never returned any further calls. The message again was to click on the link to activation. The email link for this promotion has never worked so there was not any way for me to activate such offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed paid acct. On credit report, but it is reported inaccurately. The dates are incorrect as the acct has been sold many times and info has been changed. It was originally opened in XX/XX/XXXX by XXXX   XXXX. Then XXXX XXXX which was deleted. However the DOFD was XXXX XXXX. Thats when they started collections for acct. It has since been reported as opened on XX/XX/XXXX and XX/XX/XXXX. I have made many attempts to gets this matter corrected with no success. It has been paid even though the amounts and dates are not correct and i have requested itemized bill. It was last sold to XXXX XXXX   XXXX to whom it was paid and agreed upon to remove, delete and cease all collection activity. Since then XXXX has told me the account doesnt even beling to them now and it did when paid. Makes no sense and how can they even report if they dont iwn the debt. They have not done so and i have contacted them, XXXX and Experian several times in attempt to correct this. They have repeatedly hit my credit causing many drops in credit rating. The only response ive gotten from XXXX and Experian is verified. This has not been investigated, or corrected.
Product: Debt collection

In 2013, my home went into foreclosure. After months of mediation and court hearings, a company contacted me and told me that if I sent {$2000.00} to Trial Period Management, the foreclosure process would cease and after the trial period, the mortgage would be modified and reinstated. I sent the money. The cashier 's check was deposited into a XXXX XXXX account where it was cashed. 
I was forcefully removed from my home and would like my money back.
Product: Credit reporting

I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on my report came from identity theft. And instead of blocking the items, they put them in dispute. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Transunion which is not true at all!!!
Product: Vehicle loan or lease

1. I have leased a car from Tesla for over seven years ( since XXXX ). 2.All the monthly payments have been made using XXXX  XXXX XXXX AutoPay service, set up at the beginning of each lease period for the number of payments contracted, scheduled to be delivered a few days prior to the due date. 3.My XXXX XXXX  XXXX leased car was returned to Teslas dealer XXXX XXXX, Massachusetts on XX/XX/XXXX. I took possession of a new ( XXXX ) Tesla XXXX XXXX at that time. 4.XXXX  payment for the new ( XXXX ) car was included in the sum of {$10000.00} paid as delivery fee for the new car. Since the XXXX payment for the XXXX car for the amount of {$1100.00} had already been automatically paid by the bank, and as the new lease amount is {$1200.00}, an additional payment for the balance of {$130.00} was mailed and processed by XXXX on XX/XX/XXXX. 5. Monthly payments for the new lease have been regularly issued by XXXX  XXXX XXXX during the first week of every month ( typically on the XXXX or XXXX of the month ), as has been the case ever since the lease began. 6. On XX/XX/XXXX Tesla issued an invoice for {$5900.00} for Excess wear and tear. Repeated attempts to receive detailed support for this item yielded an e-mail on XX/XX/XXXX with the following information : Excess Wear and Tear : $ XXXX Taxes 4 19in tires - {$1400.00} 2 wheel refinishing - {$200.00} RH QP bodyline dent - {$3000.00} rear bumper - {$1100.00} no photos of keys or charging bundle {$260.00} 7.I explained that the charging bundle and keys were returned with the car ( and inspected by the manager at the dealership ). I was promised photographs documenting the excess wear and tear, and yet to this date, I received none of the photographs. Tesla also ignored my requests for an explanation of what should be considered normal wear and tear for the period of 14 months ( XX/XX/XXXX XX/XX/XXXX ) extension of the original lease, due to Teslas failure to provide the new car ordered in XXXX. 8. Tesla failed to properly close the XXXX lease on XX/XX/XXXX, opting instead to charge me lease payments through XX/XX/XXXX, even though Tesla was in possession of the car. 
9. Instead of resolving the issue by properly crediting my account, Tesla opted to issue on XX/XX/XXXX a letter of demand, threatening to commence vehicle repossession and/or legal action 10. Beginning in XX/XX/XXXX Tesla began sending daily ( and sometimes even twice a day ) electronic notices of overdue payments, fabricating overdue periods of months, while at the same time cashing the timely lease payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question.

15 USC 1681i 15 USC 1681 S-2 Account : XXXX XXXX XXXX  Amount : {$100.00}
Product: Debt collection

Date XX/XX/XXXX A man named XXXX XXXX XXXX born XX/XX/XXXX has driven a vehicle not fully in my name that was on a temporary loan based upon. 

Conditional delivery, '' or driving your new or new-to-you car home while a dealer ... If you have n't started investing yet, these tips will help get you on the right track .... to give back the down payment or trade-in if the deal is not approved. ... because the value drops precipitously once a car is driven off the lot. 

Too sum it these individuals took this car without permission resulting in the arrest of one individual, and other ran from the scene during this car accident. 

A YEAR LATER I GET A LETTER FROM AFNI SAYING I OWE XXXX IF NOT ALL THEN SOME OF THE MONEY. I EXPLAINED EVERYTHING TO THEM RESULTING IN OUR DISAGREEMENTS OF TRYING TO FIND PROOF THAT THE VEHICLE WAS N'T MINE LEGALLY IT WAS STILL THE DEALERSHIP NOR WAS I MAKING MONTHLY PAYMENTS YET WHERE I HAD NO DEALER ONLY TEMPORARY DEALERSHIP TAGS WHICH CAME FROM. 

XXXX XXXX will not cover this incident based on my identity being compromised and AFNI is trying to deceive me by theft and deception. They made threats that can impact my credit report saying I was negligent and I was not even the driver nor passenger. Also they made threats by notifying the DOT from suspending my drivers licence and registration privileges. 

XXXX XXXX XXXX at XXXX XXXX WebsiteDirections XXXX XXXX XXXX reviews XXXX dealer in XXXX XXXX, Colorado Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

I had XXXX accounts with XXXX XXXX XXXX. I had insurance with my accounts and sent in the needed documents. I was not working. They failed to process my insurance and caused this account to be delinquent. 
This was during the pandemic. 

XXXX Account- {$1200.00} XX/XX/2021 XXXX Account- {$1700.00} XX/XX/2021 I have not heard from this company for almost XXXX years and they old it to a collection company. No communication.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and an unauthorized inquiry appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or the listed inquiry. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiry to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

I received a letter from ERC dated XX/XX/XXXX. The letter claims that I owe XXXX {$160.00}. I paid the XXXX debt on XX/XX/XXXX. ERC has threatened to collect on the debt again. The debt is already paid but they keep threatening to collect. Please see attached credit report. Under ENHANCED RECOVERY COMPAN # XXXX it reads that the debt was paid and closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine nor did I authorize these companies to run my credit. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that XXXX, XXXX, and Equifax permanently remove the following from my credit file immediately. These accounts are not mine XXXX XXXXXXXX XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX.
Product: Checking or savings account

Spoke with agent on phone XX/XX/23 because they froze my account due to depositing a check for my minor daughter. They instructed me to go to a local bank branch and bring her birth certificate in herself, and they could unfreeze my accounts. So I have to drive 45 minutes to the nearest open branch with my daughter, her birth certificate, and her social security card and my state issued ID. For them to tell me that I have to get a physical ID card for her from the DMV or her student ID which she doesnt have one and until then I have no access to my money. Any of it to pay bills to eat anything. Now had they told me they needed a picture ID I couldve made arrangements, or at least tried so now Im out gas time and now I have no access to any money which is financially hurting me. Because two forms of ID with my physical ID is good enough for employment and for XXXX XXXX XXXX but theyre gon na hold my money from me until I can either get it issued ID from DMV which could take weeks or I can appeal to her school please make her physical ID because shes not in a grade that gets those, so they have put me in a position to where I have no access to any of my money, for God knows how long and theres nothing they can do I beg to differ.