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

I received a phone call about a missed payment in XXXX of XXXX from Kays Jewlerys/Comenity Bank . I spoke with the woman told her not only had I paid XX/XX/XXXX but the XXXX payment as well. She said they had not received it. I was directed to contact my banks bill pay to send proof of payment and send it to the secure message center. I promptly did so. After that I never heard from Kays again until the XXXX bill came with a late fee so I called to ask about it. They said again they never received anything. So, I spoke with a supervisor who asked me to send it again and mail the proof. On that same call I said in good faith I would pay the entire about that was left on the card with the exception of the fees for the missed payments and the sum of those payments. I paid {$140.00} which was the amount given to me by the supervisor. 

After that I received multiple letters that said they would not charge me or turn the payments into collections while my account was in dispute. 

It is currently XX/XX/XXXX and I have received eight of those same letters that also say my dispute will be resolved in 90days or less. I have been charged over {$800.00} in fees. No one has ever contacted me from the company. I have sent emails, called multiple times each month, sent over 20 secure messages, mailed five letters of proof to different kays entities, and even went to the local store three times to try to figure this out. The Manager of the local Kays has called on my behalf three times and has been met with the same rudeness and unwillingness to help. Constantly I am met with no help, unkindness, and absolutely no results. My bank has also tried to find results and is working to file an improper endorsement claim against them. As we have proof that the checks were received and cashed by comenity bank. 

Prior to this I had an XXXX credit score and 11 year credit history with XXXX missed payments. My credit is now XXXX because of this delinquency. I have done my due diligence to take care of this and no one will help me. I am happy to pay for something I bought but I shouldnt have to pay for it multiple times or for fees I didnt cause.
Product: Credit reporting

XXXX has filed a " Collections Account '' on my credit report for {$78.00} for XXXX XXXX communications company. I am unaware of what this account is, and the last time I had dealings with XXXX XXXX was over XXXX years ago. I have received no contact from this company and my understand is this would be outside the statute of limitations and they should not be reporting this on my credit.
Product: Money transfer, virtual currency, or money service

Fraudster have our corporate bank account info and have deposited fraudulent checks and submitted Fraudulent ach debits utilizing multiple credit unions. 

USAA.COM PAYMENT tried to debit {$46000.00} Friday XX/XX/XXXX Originating id:XXXX XX/XX/XXXX Check # XXXX XXXX XXXX {$4900.00} XXXX XXXX  XXXX, MD USAA Credit Union This is jut one credit union but there are multiple involved with these scheme. Please see the attached spreadsheet. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transition had the wrong birthdate and sent me another got fix information but I still got no help
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I XXXX XXXX that no proof of the alleged debt, nor therefore any such bankruptcies, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Credit card or prepaid card

Capital One 's representative XXXX, employee ID XXXX confirmed today that at the management ( supervisor ) level, they were refusing to do anything to get my Walmart credit card application processed. I submitted my application 10 days ago now and they say it is in " pending '' status but refuse to tell me what is needed from me to verify information. They said 7-10 business days but, from what I understand from all representatives I've spoken with, nobody has even looked at the application ( meaning it is likely stuck somewhere ), and now that we are 10 calendar days out it seems impossible that they will get back to me in the timeframe quoted, yet XXXX confirmed nobody is going to do anything. Capital One has a responsibility to process applications. To date, I now have four inquiries on my credit reports from this one card. One inquiry is enough.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute certain unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit file, and it is my belief that some inquiries have not been made with my authorization and are not associated with any open account listed on my file.

These inquiries are not tied to any credit account that I have applied for or opened. According to the FCRA, hard inquiries must have permissible purpose and proper authorization, as stated in Section 604 ( a ) ( 2 ). Without my explicit consent or an associated open account, these inquiries must be removed from my credit report.

I kindly request that you : 1. Conduct an investigation under Section 611 of the FCRA.

2. Provide evidence of the authorization for these inquiries.

3. Delete any inquiries that are not properly validated or associated with an open account.

Please notify me in writing of the results of your investigation within 30 days, as required by law. I expect that if you can not verify the inquiries, they will be deleted from my report promptly. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inquiries have been removed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX  XXXX Balance {$6300.00} XXXX XXXXXXXX Balance {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to credit bureau about a collection ( collection name ) and I have not received and response back or any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account recently showed up on my credit report for XXXX-XXXX  opened on XX/XX/20 with a current balance of {$1300.00}. I have not opened any new credit card accounts within the past year. I have disputed this with transunion and the dispute returned saying it was factual and accurate. I have tried to call the number listed on the account of XXXX and all it does is ask for a XXXX digit account number which I do not have because I did not open this account. There is no option to talk to an actual person. Looking at a website for XXXX  XXXX  only gives a contact option of that same phone number. At the same time this account appeared an address appeared for XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX This is not any address associated with me, I have never lived outside of XXXX XXXX Texas.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion 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  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 TILA, 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: Mortgage

Due to financial ilness of husband.XXXX and fraud on part of relative because late on payment yo Bank of America.Have send in two modification packages.I received one phone call in XX/XX/XXXX. concerning second papers, which I miss Ed and returned.On XX/XX/XXXX received forclourse notice.I have not gotten any phone calls or any thing in writing from BOA about this or any missing paper work.All copies requested have sent in.I have the money for repayment but they will not accept.I asked for repayment plan. The property is a old trailer that is broken down but home to relatives.I don't understand how they can do this if all paperwork is in my and with out sending us any notification on requested modification.I am on XXXX and my husband is I'll with XXXX and we do not know what to do..We can afford to make up payments Thank you for any advice XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX for {$180.00} These do not belong to me, have the bureaus take them off please.
Product: Checking or savings account

PNC Bank claimed fraud in my checking account. They put a hold on the account. My Soc. Security was deposited, and I can't access my money. I am living check to check and holding my money puts an untold financial burden me.
Product: Student loan

I originally was assigned to XXXX XXXX as my federal student loans lender in XX/XX/XXXX. Once I started making payments to them I was very careful about ensuring that my payment type would qualify for PSLF. I called several times to ensure this before I started making payments and was reassured on more than one occasion that my payment plan would qualify. 
In XX/XX/XXXX I was transferred to XXXX due to doing my first PSLF certification forms. I was just notified today that the 38 payments made with XXXX would not qualify although XXXX reassured me that my plan would qualify. XXXX also advised that there was no need to certify my employment until I reached 120 payments as I am a XXXX XXXX, but I acted on information from my company and am glad I did. I would like to know if there is an appeals process since I was acing on the bad information provided and have invested thousands of dollars that don't qualify.
Product: Vehicle loan or lease

On XXXX  I canceled products that were I were told were needed in order for me to receive the car loan from XXXX XXXX XXXX ( Warranty and Gap ). The products were cancelled to bring the loan up to date and during the process of waiting for Credit Acceptance to receive the money they came and repossessed the vehicle and took the money from the cancellation fees. They never called me and told me where the vehicle was and my possessions were never returned to me.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Dispute & Request for Immediate Removal Dept. of XXXX XXXX XXXX Dear XXXX XXXX Department XXXX XXXX, Experian I am disputing the reporting of a Dept. of XXXX student XXXX account on my credit report. This account was illegally disclosed without my authorization and should be immediately removed due to violations of the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( XXXX ). 
Account in Dispute : Dept. of XXXX Account # XXXX Legal Violations & Consumer Rights Breach : XXXX. FERPA Violation ( XXXX XXXX. XXXX ) : My student loan records are federally protected educational records and should not have been disclosed without my explicit consent. 
XXXX. Unauthorized Third-Party Access XXXX XXXX XXXX XXXX XXXX XXXX student loan information was accessed by unauthorized third parties, including XXXX and XXXX XXXX XXXX which is a violation of my privacy rights. 
XXXX. FCRA Violation ( XXXX XXXX. XXXX ( b ) ) : You are required to verify the accuracy of reported information. The continued reporting of this unverified loan makes its presence on my credit report inaccurate and unlawful. 
Demand for XXXX XXXX : XXXX. Immediately delete this disputed student loan account from my credit report. 
XXXX. Provide written confirmation that this account has been removed. 
XXXX. If you refuse, provide a full investigation report proving I authorized this reporting. 
I expect a written response confirming this dispute has been resolved within XXXX  days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Last XXXX of XXXX : XXXX ________________________________________
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX informing me that due to my account being inactive, the account would be closed on XX/XX/ if a purchase hadn't been made by XX/XX/. A few days later I made a purchase with the card to keep it active, however they closed my card on XX/XX/. I reached out to customer service and inquired why they closed my account over a month earlier than the email stated even though I made a purchase, and they said that they closed it because I had gone so long without a purchase and I could reapply if I wanted to open an account. I then informed them that days after the email was sent, which stated that I had until XX/XX/XXXX to make a purchase, I made a purchase. This issue did not get resolved.
Product: Debt collection

Please confirm the amount of my signature and the original agreement of this debt and the contract of purchase of this debt by the original owner.
Product: Debt collection

Cottonwood financial Wisconsin LLC dba cash store is trying to collect a debt by garnishing my wages. I was not properly notified from this company only seen it on my records with the state of Wisconsin for small claims court.
Product: Credit reporting or other personal consumer reports

Prior to moving to into my new home I was at a grocery store in XXXX Indiana where I lost my wallet that contained my drivers licese social security card and other identifying information and someone found it and used my information to open up several fraudulent accounts such as auto loans, motrgage accounts, credit card accounts, personal loans, and more. I would like for this informaiton to be removed from my credit report as soon as possible. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a letter was sent to University of XXXX regarding the alleged debt that they saY I owe. I asked for validation of the date as described in my letter. University of XXXX is the ORIGINAL creditor that has reported the erroneous debt as a collection/charge so I would've assumed they could've validated the debt by providing me the original signed copy that I alleged signed and NOT a list of charges. 

The creditor sent a letter dated XX/XX/2019 and stated that the debt was valid and sent me a copy of account history ( a list of charges ). Also on the letter stated that the debt has been referred to an " outside collection agency ''. The problem with this is that it is double jeopardy. University of XXXX is reporting that I have a balance and a past due amount and not XXXX account balance since they have sold the debt to an outside collection company. This information would be considered inaccurate reporting, since only ONE creditor can report the debt with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX  year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - XX/XX/2022 Filed a dispute to have revolving accounts removed from my Experian credit report, as they are still reporting unknown or XXXX  balances, payment history, etc on several revolving accounts. They refuse to remove them, stating they are accurate. How do I know that they are accurate if I cant verify what the account info is?