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

Recently did another investigation my credit reports and found several items to be inaccurate and not properly investigated by the credit bureaus. They claim letters are sent by credit repair companies and refuse to report accurate information.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove & correct the following from my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX  XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

First Financial in vestment fund is reporting a debt on my credit report per my lender who is refinancing my home. It 's actually preventing me from refinancing because it 's bringing down my score. I have called and they claim to not have my name on file, however they are n't helping me get the collection off my credit. I spoke to them las t Tuesday the  XX/XX/17  a nd they said my name is n't on file with them. I called them last month as well and then disputed with  XXXX . They answered the dispute and said I owe the money, but they wo n't allow me to pay the account. I do n't believe I owe this money and it 's frustrating that I call and they do n't have my information. My lender even contacted them with my permission and they could n't verify my information. They even had me send a letter authorizing my lender to verify the debt. Then they had my lender send a fax asking for more information and they have n't replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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, and I'm including it again. 
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: Student loan

Asked them to apply my extra payments towards the principal balance. They advised it does automatically. I logged in today and found that is not true and they applied my extra payment to interest. Their staff is under qualified to answer questions and my account is essentially being mishandled. I essentially lost money by it not applying to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC report on fraudulent activities that have occurred on my credit profile more than 45 days ago and I have yet to get a response from the bureau on the results and they have not fixed the problem.
Product: Debt collection

My identity was stolen, and this account was opened fraudulently. The company sent me verification that the account was opened, but it was not me who did it, but whoever stole my identity. I want this account removed from my credit report as soon as possible.
Product: Credit card or prepaid card

Barclays bank delaware. 
Fraudulent charges made on visa.
Product: Credit card

Please help. I want to cancel and close my account with this credit card company : Continental Finance LLC. I suspect fraudulent business practices with my account. 

On XX/XX/XXXX I called the company to speak with a representative. I explained, that for months, I haven't been able to open and view my monthly statements online at their website. The representative said, " I needed to download the app '' XXXX I asked what app, and he stated " XXXX '' app. 

XXXX XXXX application is already loaded on my laptop. I proceeded to open XXXX site, to download statements from the credit card website, but the download permissions did not work. The links on the credit card website did not open, or open as a .pdf popup. Neither do the statements open on the mobile XXXX application. 

Finally, I canceled " auto pay '', and requested my statements to be mailed to my home address. Now, I am filing my complaint. 

XX/XX/XXXX By the end of the call, I requested that the credit card company mail my monthly purchase/payment statements for the old credit card ending in " XXXX '' for XXXX, XXXX, and XXXX. I am currently waiting to receive the statements by mail. 

XX/XX/XXXX I requested a new credit card because I could not open statements to verify my purchases and payments. Thinking, maybe if I order a new card this might help me keep track of my purchases and payments. 

XX/XX/XXXX Beginning XX/XX/XXXX, I started monitoring my payments to lower by credit card balance. But still having no way to view past and current purchases.
Product: Debt collection

Credit Adjustment Board contact me in reference to a {$140.00} medical bill that I owe and I told them im unemployed and made arrangements with the dr office directly and was going to pay them directly and was basically cursed out and told she was going to list my file as a refusal to pay and send it to the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DSNB MACYS with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

Went to the Citibank on XXXX with my father [ XXXX XXXX ] to open a checking account. My father had Four-Certificate Checks each check was in the amount of {$2000.00} for a total of {$8000.00}. Note my father was listed as both the purchaser and The pay to the order on the checks Because the checks were made out to my father and not my name the bank president said we could deposit the checks but both parties would need to be present and bring identification We proceeded to Citibank showed our ids deposited the four checks and was told because they were certified checks all {$8000.00} would be available the next day or XX/XX/XXXX So when we could not access the account the following day [ XX/XX/XXXX ] we contacted the bank who said account was closed for fraud and it would be 60 days before our funds would be returned to me. 

I have uploaded all documents as well for your review. Please help me to get my money returned to me XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans union have XXXX inquires on my credit report that XXXX XXXX or any company or potential creditor have any authorization for these credit pulls.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all three should be removed at once.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries from my credit file from Experian, XXXX, XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to give me access to my credit score and my credit report. I have been trying for over 6 months. My identity was stolen and these people will get things in my name then it will stop and will start again after a year. It has been ongoing for year 's. The police caught one of them but the others are still using my information. I have been trying to get access to my report online and every time I try Transunion says there was an error or I already have an account which I do not.
Product: Debt collection

I received a letter from Phillips Cohen and Associates Ltd. on XX/XX/XXXX. The letter was dated XX/XX/XXXX. On XX/XX/XXXX I was shopping at XXXX XXXX and learned my account was frozen due to probate estate issues alleged by the aforementioned debt collector. I called the company but they were closed for the weekend. On Monday XX/XX/XXXX I called the company and was informed the collector was under the impression I was deceased. The person I talked to was a manager named XXXX, while talking to him I informed him I was not deceased. XXXX never informed me why or how his company reached this decision. He did say he would contact XXXX credit department and resolve the issue. He then gave me a number to call. The number was for XXXX XXXX probate department. I received more information from the representative from XXXXXXXXXXXX than I did from XXXX at PCA Ltd. The representative informed me my name got mixed up with my father who is a XXXX and I 'm a XXXX. I did not use the XXXX in my name, so thus the confusion. My complaint is freezing accounts without prior notice and not fully investigating who I was would have shown this was a non issue. I ca n't figure out why social security numbers were n't used to solve the issue before freezing accounts. This company has many complaints at the FDCPA. I was humiliated and embarrassed when my card was denied. I had available credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never made to account for their actions. It is my hope no other consumers experience this humiliation.
Product: Credit card or prepaid card

I opened a SECURED credit card with Capital One XX/XX/XXXX, 5 months ago I had to deposit {$400.00} out of my personal checking account and load it onto the card in order to open the account I received my card about two weeks later I tried to use the card and the account was already closed. they gave me no explanation on to why they closed the account. Immediately I was concerned on how I get my funds back that I had to deposit on the card. they told me I would receive a paper check of the funds mailed to the address I used to open the card in 1 to 2 billing cycles which wouldve been two months ( XX/XX/XXXX ) it is now going on 6 months ( XX/XX/XXXX ) And I still have no check I have called them multiple times and every time they tell me something different now theyre telling me theres nothing they can do about it because the account is sealed and locked and they cant get into it to see whats going on and this is coming from the fraud department! capital one is telling me they have no access to the account any longer so basically they cant do anything about sending me my {$400.00} back well that did not work for me for obvious reasons I asked to talk to the fraud supervisor. Well I got in touch with the fraud supervisor and they told me I had been given the wrong information that they dont send out paper checks and that I had to call my financial institution and dispute the XXXX $ eft transaction from capital one that was done XX/XX/XXXX to get my {$400.00} back I contacted my bank and they informed me That 90 days is the maximum time allowed on a EFT dispute. So I got back with Capital One fraud supervisor and let them know that my bank can not do that its been well over the 90 days that the banks allowed for eft dispute. After I informed him of this he put me on hold and now they are telling me I have to wait the full six months and then I should receive my check in the mail let me remind you that they had just told me that they dont send checks in the mail for closed secured credit card accounts and that I had to dispute it with my financial institution but since I told them that is not possible now theyre telling me I can get a check again??? I just have a feeling they are giving me the runaround and they have no intention on giving me my money back I have given them more than enough time to make things right and send me my funds back like I said It will be the six months in XXXX that I waited for my money that should have been sent to me according to Capital One in 1 to 2 months can someone please help me get my money back regards XXXX XXXX
Product: Mortgage

I am disputing an incorrect late payment entry on my credit report related to my Freedom Mortgage account ( Account XXXX : XXXX ). 

On XXXX, I attempted to make my mortgage payment through Freedom Mortgages online payment system. However, due to a technical error with the system, the payment did not post to my account. I was not made aware of this issue until after the payment due date had passed. Upon realizing that the payment had not been processed, I promptly made the payment on XX/XX/year>. 

Despite my immediate action to resolve the issue, a late payment has been reported on my credit report. This is incorrect, as I have never missed a payment by more than 30 days in the history of this account. The reported late payment has resulted in a significant drop in my credit score by nearly XXXX points, causing a substantial financial burden on me. 

I am requesting that the incorrect late payment be removed from my credit report, and that my credit report be updated to reflect that no payments have been missed beyond 30 days. This correction is crucial to restoring my credit standing.
Product: Vehicle loan or lease

The past 2 years or i been trying to get a pay off on a vehicle i had for the 6 years an 9 months so far, an the loan was for 6 years. From XX/XX/2015 until current.Im previously 9 moths over the term. I had 4 deferred pyment that i acknowledge due to financial hardship an late late payments throughout the terms. Which the financial company is saying that it caused an additional 16 months off monthly payments to make the account full. Ive tried to offer a generous settlement which the is not worth what i had offered through XXXX XXXX XXXX an XXXX. The rejected the offer without meaning an never sent me a letter of validation. I believe wholeheartedly that i am being financially mistreated.
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : 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. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, XXXX XXXXXXXX, XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Checking or savings account

I have not received any notification of this fraudulent charges. Large charges that I would not normally make in fact. The following charges are from XXXX done on XX/XX/2022 of : {$520.00}, {$960.00}, {$950.00} ( All from XXXX ) Other 3 charges were done on XX/XX/2022 of : {$360.00}, {$360.00}, {$40.00} Ive contact Chime banking support. They were not helpful at all. 

My number and email address keeps being changed when I did not authorize these changes. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I the right privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under aopen-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, 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 accounts as unverified information without providing any proof within the period allowed by law. The following accounts needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXXXXXX XXXX XXXX XXXXXXXX : {$27000.00}.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX. In XX/XX/XXXX, I was hit from behind and my truck was totaled. I have GAP insurance. XXXX paid the claim and XXXX has been coming after me for the balance even though I have GAP insurance. They call several times per day to harass me. After being called treated like a liar and thief, I got the GAP insurance on the phone with XXXX XXXX  and supposedly everything was resolved. XXXX XXXX was to send the requested information GAP was requesting and they would be able to pay the claim. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. NO WAY!!!! How is it possible that GAP did not fill the gap? I believe that XXXX XXXX  purposely did not provide GAP Insurance with the requested information, so that they could continue to add interest and thus charge me. By the way, I paid GAP through my finance with XXXX and when it was time to collect, they ( XXXX ) quickly claimed it was a third party and had nothing to do with the company. REALLY??? Anything to XXXX people.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX is the account that I have marked inaccurate.
Product: Debt collection

I have been sent 6 requests for payment of what appears to be a time share. The statements are addressed to XXXX XXXX as owner and me as co owner. I do not know a XXXX XXXX and am not the owner or co owner of a property in XXXX XXXX of XXXX MA. I have received statemnts for past due amounts from XXXX and Contintal Central Credit of MA , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX.