23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had XXXX card for about 10 years. History on the card is good. The last time I tried to use this card in XXXX, I was told that I could not. No explanation except that I had to run my credit again. This is not acceptable. If I have had a card for many years and responsible with it, then why would I need to reapply through a credit check for it, if it were not closed. This was in XX/XX/XXXX. Also in XXXX I was unable to use it and the account was open! No correspondence before detailing the specifics of the account or any changes were sent to the account holders address and no explanation was made since then, even after a call to the card services number. This has still not been resolved! They have not offered any explanation as to why a good standing account holder would need to run credit again! Also, if they were concerned with my high limit, then they could inform me the concerns in writing and any potential changes such as a decrease in my limit -this would still not be right, but at least I would be able to use it. I am unable to use this card unless I submit to a credit check, when I already submitted to one when I opened the card about 10 YEARS AGO. I do not understand this and the customer service is off, because when I went into the XXXX store in XXXX XXXX where this happened last year, I was subjected to waiting on line and on hold and told I needed to give personal details to use the card, while on-line in the store and uncomfortable to do so. This is not responsible for the creditor to do and I would like some explanation on why I can not use my card, when it is in good standing and being forced to submit to a credit check, when I have had the card for about 10 years and already had the required credit check then when it was opened. Why is my account being wrongfully targeted for this treatment? Is there some bias against my account in some way?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. Despite my previous requests, the following erroneous accounts continue to be reported incorrectly, causing undue harm to my financial stability, mental health, and overall well-being :
Product: Credit reporting

My credit score dropped over XXXX points in less than a week due to what is show as a " Serious Delinquency. '' The payment was 9 days late due to a technical issue with online bill pay ( I was sent a physical check made out to XXXX whereas the funds should have been wired ). XXXX refunded the late fee due to the error and reviewed the check yet still the credit agencies deflated my score. The payment was for {$130.00}. It is currently listed as a 30-day serious delinquency
Product: Debt collection

Today XX/XX/XXXX I received a letter from Resurgent regarding a debt I have a payment plan on with XXXX XXXX XXXX XXXX. I have been attempting to call the latter to make a payment on the plan set up by their office since XX/XX/XXXX. They have not returned my call but have accepted my money on XX/XX/XXXX. 

I called Resurgent on XX/XX/XXXX at XXXX est and was advised her that the payment plan with XXXX XXXX XXXX valid but they can not see the payment plan and I should keep making the payments as arranged previously. In the notification from Resurgent it states that I have until XX/XX/XXXX to dispute the debt. There is nothing to Disput except who will be honoring my payment plan that I have set up with each of the interconnected companies. 

This is the third company contacted me regarding this debt since XX/XX/XXXX while I have been making payments. Each time I make the payment plan its transferred to XXXX of their many companies, and as it is confusing. It is also an attempt to get the consumer to renege on their plan to make a payment. 

As stated before, this is the third portion of LVNV funding LLC that has contacted me regarding a debt that I have been paying, and it is confusing and a dishonest attempt to collect debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4500.00} XXXX  XXXX XXXX  : {$79.00} XXXX XXXX  : {$170.00} XXXX  XXXX XXXX  : {$89.00} XXXX XXXX  : {$50.00} XXXX  XXXX XXXX  : {$74.00}
Product: Credit reporting or other personal consumer reports

I have previously submitted disputes to the major credit bureaus regarding multiple fraudulent accounts that were reported on my credit file. These accounts are as follows : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX These accounts were disputed on the grounds of identity theft following a widespread data breach impacting millions of consumers. Despite my efforts to correct these inaccuracies through disputes under Section 1681i of the Fair Credit Reporting Act ( FCRA ), the responses from the credit bureaus have been unsatisfactory. The fraudulent accounts have not been removed, impacting my credit score and causing significant financial and emotional distress. 

I have attached all relevant correspondence with the credit bureaus, including my dispute letters and the supporting documentation provided to prove my identity and to substantiate the claim of fraud. 

This unresolved issue has compelled me to seek intervention from the Consumer Financial Protection Bureau to ensure a just resolution.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One is acting UNREASONABLY, as i have had the account si nce  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
Product: Mortgage

I did loan modification to stop foreclosure on my house the new mortgage company paid for everything to save my house since that time I never been late on my payments.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Mortgage

This is a very easy correction to Seterus mis applied payments. All they have to do, is apply my payments for principle and interest to the amortization table. Since all payments were made on a timely basis, this is a no brainer. 
I thinks Seterus knows they are wrong. I have received XXXX XXXX for XX/XX/2016 as they are trying to correct the misapplication of my payments. This means any tax returns previously filed require amendments. They are waving a red flag to the Internal Revenue Service that my taxes have been misfiled. This has to be deliberate At least by attempting to correct their records, they acknowledge late fees should never have been assessed. They need to tell the credit agencies that my payment record is timely and never late. 

These people ca n't apply a payment correctly, manufacture fake fees, mis report to credit agencies, pay fake bills and ca n't correct their mistakes. 

They are incompetent and should not be allowed in business
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$3000.00} cash down payment, vehicle was unsafe and wrecked XX/XX/XXXX. Vehicle still not repaired, me and my service dog injured now homeless, no signed contract, XXXX XXXX refused to repair car over 2 months ago, lost my ability to work, injured, homeless with my service dog. Can't purchase a vehicle elsewhere until debt removed from all credit reports and I need my down payment of {$3000.00} cash IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, XXXX loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.
Product: Credit card

On XXXX XXXX XXXX I purchased a couch from XXXX XXXX, which is owned by XXXX XXXX XXXX in XXXX, Virginia. I made all of my payments on-time and closed my account. I later learned I missed a payment and accumulated many fees. 

The one time I was able to connect with someone I offered to pay the balance I owe for the couch, which I was told is {$46.00}. I have accumulated fees over {$200.00} because of this. I was then passed between account services and customer services with no help. Then they hung up on me. 

XXXX XXXX XXXX XXXX has changed their online platform 3 times in two years. I called the number 12 times to talk to a representative. ( I am currently on-hold as I type this ). I was able to get through one time, but have been unsuccessful 10 ( maybe 11 as I am still on hold ). 

I asked to dispute the fees and was told it will take 45 days and the fees will continue to accumulate during this time. 

I continue to call back and stay on hold for over 60 minutes. No one will answer the phone. It seems many other consumers have had a similar issue.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7100.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8300.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not have no knowledge of these inquiries these hard inquiries involve identify theft that has to be removed no more then 4 business days
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. 

Account name : XXXX XXXX XXXXXXXX, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Completely Irritated with Equifax! I have been trying to log into myEquifax account and information is Blank. 
I was able to visually see some data by " pretending '' to file these disputes directly with them. 
I am submitting these with attachments for Correction Again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HEREBY ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, RIGHTS, INTEREST AND EQUITY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX I HAD ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH WESTLAKE FINANCIAL FOR A USED VEHICLE WHERE WESTLAKE FINANCIAL OBTAINED MY CREDIT CARD ( ssn ) VIA AN APPLICATION WHERE A FINANCE CHARGE WAS CONDUCTED THAT INCLUDED THA SUM OF ALL CHARGES FOR THE VEHICLE. WESTLAKE FINANCIAL ACQUIRED A SECURITY ASSET ON MY BEHALF WHERE THEY RECIEVED CREDITS IN EXCHANGE WHEN THEY TRANSFERED THE CREDIT APPLICATION WITH THE FEDERAL RESERVE BANK UNDER THE FEDERAL RESERVE ACT sec 16. AS THE ORIGINAL CREDITOR AS DEFINED UNDER 15 usc 1691a ( e ) ( f ) I EXTENDED CREDITS TO WEST LAKE FINANCIAL VIA A CONSUMER CREDIT APPLICATION THAT BECAME A SECURITIZED ASSET ON THEIR BOOKS. THE VEHICLE WAS COMPLETELY RE-PAID IN FULL IN THE YEAR OF XXXX. WEST LAKE FINANCIAL DID NOT MAKE IT CLEAR TO ME THAT THEY HAVE BEEN EARNING UNEARNED INTEREST ON MY BEHALF AND TOOK PAYMENTS FROM ME IN FEDERAL RESERVE NOTES. WEST LAKE FINANCIAL HAS FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE TO ME MY RIGHT TO RECISSION OF MY CREDIT APPLICATION/SECURITY WHICH IS CONSIDERED FRAUD AND THERE IS NO STATUE OF LIMITATION ON FRAUD TO RECIND MY CREDIT APPLICATION AND HOLD WEST LAKE FINANCIAL ACCOUNTABLE. WEST LAKE FINANCIAL IS OBLIGATED AND IS HELD ACCOUNTABLE UNDER 15 USC 1615 TO RETURN TO THE CONSUMER ALL UNEARNED INTEREST. NOTICE IT IS FACT UNDER THIS PROVISION IT STATES -- -- -15 U.S. Code 1615 - Prohibition on use of Rule of 78 's in connection with mortgage refinancings and other consumer loans. If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HEREBY REQUEST WESTLAKE FINANCIAL TO RETURN TO ME THE CONSUMER ALL UNEARNED INTEREST PAYMENTS IN FULL.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$510.00}, foursight capital llc Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to my request to investigate, verify and provide me with the documents with the original signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.