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

On XXXX XXXX, 2020 I purchased a company vehicle because I had established business credit to obtain a business loan. XXXX XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report XXXX is reporting on my personal credit report. Ive signed up XXXX times for an extension and paid the extension and ally never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XXXX XXXX, 2023. I paid the first payment XXXX XXXX, 2023 online. XXXX tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XXXX XXXX, 2023 I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XXXX XXXX, 2023 and the representative notated the account and saw where I made the agreement and that department was closed. Today XXXX XXXX, 2023 I spoke to XXXX people and no one assisted our company. This is unacceptable and predatory.
Product: Checking or savings account

My banking XXXX had a glitch in the system which resulted in me having a negative balance of XXXX and I reported it multiple times and they told me it was a system glitch and it shouldnt effect me it would be fixed it was never fixed I talked to an agent on a live chat on XX/XX/XXXX and they informed me again it was a glitch on their end and I asked if they take my money at any point because of it will they reimburse me and they said yes, when I got paid on XX/XX/XXXX the app took my whole paycheck from me and when I called them and tried to report this they would NOT listen to me and gave me the run around and told me they would not give me my money back and I got a email from two people from chime stating it was a glitch and a error on their end and I contacted them again 24 hours like it said and they told me there was never a complaint / dispute filed when I did file one and my mother was also a witness to this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and # XXXX XXXX XXXX  # XXXX, have violated my right. 

15 U.S.C. 1671 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting or other personal consumer reports

I am writing to make a final demand for the immediate resolution of my previous disputes regarding the removal of inaccurate and invalid negative accounts from my credit report. Despite XXXX swiftly addressing these inaccuracies, both TransUnion and XXXX have failed to take the necessary actions, violating my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Checking or savings account

I had a business checking account that went sideways. The account was closed and there was an outstanding balance of roughly {$2500.00}. This was paid in full last month at a local branch and I was told that this would satisfy the account and the negative reporting would be removed/reversed. I have since tried opening accounts with Wells Fargo and other banks and was declined - Since the negative reporting is still in effect. 

I have talked to two reps at Wells Fargo who basically stated the " I can never bank with Wells Fargo again. '' But this is not I was told in person at the branch. 

Please advise!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( reported as SYNCB/XXXX  # XXXX XXXX : XX/XX/XXXX payment 30 days late. Payment was made on XX/XX/XXXX. I was actually 6 days early, per their own statement, which I have attached. The months right before and after this date are also paid on time, so I have also attached XX/XX/XXXX and XX/XX/XXXX statements. I have not been 30 days late ever. You'd think with all these fees and creative interest hikes, they could afford to get their records straight. Perhaps I should charge them a fee.
Product: Credit card

I filed a complaint previously that was closed XXXX. The issue continues. 

I receive credit offers from capital one for my ex wife from 6 years ago at my house with my new wife. My ex wife never lived at my current address. 

We have called capital one multiple times and have yet to see this fixed. The previous complaint was closed, but never actually fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXXrequesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$5.00}, XXXX. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XX/XX/XXXX, and Experian ). Today, I checked my credit report and notice that the account XX/XX/XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 

For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Secondly, From my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 an account can not be furnished on my consumer report without my consent. I have not given any consent to XXXX XXXX or XXXX XXXX XXXX to furnish these accounts on my consumer report. Furthermore they are charged off and are reporting incorrect balances to the credit bureaus. I have also not received my 1099c which is required to be sent to the consumer once the account is charged off. By law they are required to notify me once the accounts have been charged off and have failed to do so, therefore Im motivated to seek monetary relief of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this XXXX  XXXX XXXX account of my report. It has been on my credit report for way too long. XXXX, XXXX already deleted it. As u will see in the documentation provided by your own comlany it should be off already. Please fix this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has provided inaccurate, false and misleading information and representation pursuant to 15 U.S.C. 1692e where it clearly written that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt and involves an attorney on behalf of XXXX and XXXX XXXX XXXX who committed criminal conduct with representing his client and fraudulently acting as a debt collector by injuring his client. Without limiting the general application of the foregoing, the following conduct is a violation of this section. There was never a child support debt and once those fictitious debt were disputed they were deleted because debts dont exist otherwise XXXX would had to validate the debt by producing the contract pursuant to 15 U.S.C . 1692g- validation for debts. XXXX aided and abetting with a criminal organization known as XXXX XXXX XXXX for gain of profits which constitutes that XXXX is not only a financial institution but violates the fdic and ftc rules and guidelines which involves identity theft for altering and selling the social security , card, name and account number. XXXX did not obtain written consent from the consumer pursuant to 15 U.S.C. 1681b-permissble purposes for consumer report which violates 15 U.S.C. 1681c-2-Block of information resulting from identity theft, responsibilities of furnishers of information to consumer reporting agencies pursuant to 15 U.S.C . 1681s-2 which also violates fcra and fdcpa rules and regulations. XXXX has neverproduced any contracts which validates any debts nor do they have permission from the consumer to report any debts. All reports made regarding consumer reports including fraudulent debts, names and addresses are to be cleared immediately from the consumer report and XXXX are in violation of 15 U.S.C. 1681n-Civil liability for willful noncompliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1692k-civil liability, 15 U.S.C. 1640-civil liability and violation of 15 U.S.C. 1601-truth in lending act. Employees of DHS CSS and Consumer Reporting Agencies will be held accountable for criminal conduct and misconduct. They've violated 18 U.S.C. 1001-falsied information and concealment, 18 U.S.C. 1038-falsifeid information regarding a hoax and 15 U.S.C. 52-dissemination of falsified information
Product: Payday loan, title loan, or personal loan

XXXX XXXX from Luckmore Finance Corp replied to my CFPB complaint XXXX stating they offered me a counteroffer and to call to discuss the terms, which is false. I was advised they could not help me and I needed a co-signer and a more current collateral. I called and spoke to XXXX to counteroffer at {$1000.00} then {$2000.00} from the original {$3500.00} I applied for. XXXX advised he had to speak to the owner XXXX and would call back in five minutes rather he spoke to XXXX or not. I did not receive a call, so after two plus hours I called but XXXX was on lunch. I received XXXX information from XXXX, so I called XXXX about the counteroffer offer. XXXX was irate that I filed an CFPB complaint and asked why would I do that. XXXX told me he does not want to do business with me because I filed an CFPB complaint. Federal law is XXXX, XXXX said. XXXX has continuously violated the federal laws. This ordeal is stressful and embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$26.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied with that company. That and I never lived in Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from Equifax. I followed up with a letter on XX/XX/2021. I have received no correspondence from Equifax regarding this request. 

I sent the same request to XXXX  and XXXX, specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. XXXX  and XXXX  both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that XXXX  received on XX/XX/XXXX and XXXX  received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  HAS MY ACCOUNT AS LATE XXXX  2024 AND XXXX  2024 ON MY TRANSUNION REPORT... AND XXXX  AND XXXX  ON MY EXPERIAN REPORT. NO REPORT AT ALL ON THE EQUIFAX REPORT.  WHICH WAS ASSURED THAT THE COMPANY REPORT TO ALL THREE REOPTING AGENCIES. I'VE BEEN FIGHTING THIS SINCE XXXX.2024.NEVER BEEN LATE IN 2024. NO ONE WOULD TOUCH ME FOR A REFINACE BECAUSE OF THIS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XXXX XXXX and XXXX of 2019 I requested an investigation and verification according to the FCRA SECTION 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and not an electronic or e-oscar verifcation but have been repeatedly answered with verified as accurate without being provided with the documentation that was requested.Continuing to be in violation of FCRA section 611-non compliance and continuing to cause damage to my report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency
may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian and XXXX  to remove XXXX # XXXX a collections that is over 7 years. I have sent them both dispute letters months ago and nothing so far. I don't understand why this is still on my report when it over 7 years old. I hope you can help me with this matter and get this off my report.
Product: Checking or savings account

I've had identity theft starting at the end of XXXX  too. I've had multiple unauthorized charges through multiple and various institutions of mine. 
A few of the disputes were warded in my favor but also noticed that if the denominations too high companies like transact, not spend all the sudden, close down the whole account and say that the dispute 's not my favor and what's funny is that I've gotten one within under 12 hours the. Case was opened and then closed and found out my favor only cause the examination was like {$1900.00} and that was through XXXX XXXX for a company that's something. Thing like XXXX XXXX, something and their excuse. Was that that type of transaction seems to go with my type of spending history which is complete b? S it was because somebody didn't want to pay back almost {$2000.00}. And I've never seen a case open and close with the fact-finding that quick ever so transact. Net spend XXXX XXXX XXXX. I believe we're all in on this because it seems like they only want to take care of the small disputes of like {$20.00} an under and anything over that. They say that it's not in my favor which I've been awarded in my favor. 
For certain company like once then. But then they don't do the other 5 transactions for the company. I mean, or the other car institution will deny it completely one another institution. Has said in their findings that it was fraudulent. How can the company find something in your favor and then not find something in your favor with that? Same merchant that was on authorize. That makes totally no sense. Whatsoever never done business with most of these segments. And I'm definitely not going to spend {$1900.00} at a baby store. When I don't even have a baby or be married or a girlfriendi have multiple multiple transactions all through XXXX XXXX XXXX that have not been resolved and go to banks another one of them also
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXXXXXX that I bought brand new and financed through KIA Finance Company. I have never been late, nor have I ever missed a payment in almost 4 years. I decided to refinance my car through AutoPay in XXXX. It would drop my payment about {$110.00} or so per month. I turned all my paperwork in and played the waiting game for both companies to get the car paid off and switched over etc. I notified KIA three different times that I was refinancing. KIA goes and reports my last month late on my credit. That cost me around XXXX points. Making me look like I don't pay my debts on time and making me look bad to future creditors. All because I didn't pay my payment to them for the final month. Which they would have had to refund back to me anyway since all my paperwork with AutoPay was completed and waiting to be transfered over. I was a good customer and didn't deserve that from KIA. Especially since I openly communicated to them about the refinance. Please, remove the late payment off my credit reports for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, XXXX deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. Transunion and XXXX   has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED
Product: Checking or savings account

I made a XXXX  payment for a purchase realize it maybe fraud. Transaction was pending the individual I was sending the XXXX too said the acct was closed.I immediately call BOA they told me there was nothing they could do it was pending I had to wait till is was posted ... only for them to say they could not retrieve my funds... They could stop the payment while pending never made any sense to me.