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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts listed on this FTC report are all fraud accounts that was open without my knowledge as of to date ... .....
Product: Credit reporting, credit repair services, or other personal consumer reports

i reach out to Transunion and ask them about a dispute that they had investigate and the said the account was verity and i ask them to provide me with the method of verification under the FCRA sec 611 ( a ) and 7 Texas Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove XXXX XXXX XXXX off my credit report. 
I have report to customer service about my situation. 
I have sent in Police Report. 
XXXX XXXX XXXX use my # SS number and IDENTITY to put on car loan.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To Whom It May Concern, I am writing to formally challenge the conclusions reached in your recent investigation regarding the account ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. Your response dated XX/XX/2024, states that adjustments have been made to my credit file. However, it fails to provide a comprehensive disclosure of the investigative process, including crucial documentation that verifies the legitimacy of the data furnished and its compliance with applicable laws and standards. 

Demand for Evidence and Compliance Verification : Documentation of Authority and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 6 ) ( B ) ( iii ), I request detailed documentation that supports the results of your investigation. This should include : A copy of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX. 
Correspondence or transaction records that validate the reported data. 
Verification of Calculation and Reporting Standards : In light of XXXX XXXX XXXX XXXX ( XXXX ) guidelines, particularly those related to the reporting of credit losses under XXXX XXXX, provide evidence of the methodology used in determining the " Charge Off Amount '' and its alignment with Generally Accepted Accounting Principles ( GAAP ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulations : Given the amendments under the Bank Secrecy Act ( BSA ) and its XXXX frameworks, please furnish details showing your compliance with these regulations during the data furnishing and investigation processes, particularly concerning the verification of my identity and the prevention of fraudulent reporting. 

Resolution and Compliance Demand : I think your response 's discrepancies in the reporting and the lack of transparency are concerning. They suggest potential non-compliance with the FCRA and other relevant statutes, which may lead to legal ramifications affecting both our parties. Failure to adequately address these concerns might compel me to take further legal action, including but not limited to seeking statutory damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

I expect a response within 30 days of this letter, detailing the actions you have taken to rectify these issues and including all requested documents. Please treat this matter with the urgency and diligence it requires. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved. 


cc : Consumer Financial Protection Bureau New York Department of Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom this may concern, Regarding Missing Points from Chase freedom unlimited signup bonus. 

Let me take you back to XX/XX/XXXX  the last day of the promotion for Chase freedom unlimited, as seen attached ( dates & times in links ) I applied for the card and was approved before end of business day, when I click the link as I do before every card I verified that's a promotion included {$200.00} cash back after spending {$500.00} as well as 5 % cash back on up to {$12000.00} of groceries. 

Fast forward a couple months i spent well over the threshold for the grocery deal, upon checking my account he realized he only received 1.5 points Upon contacting Chase at all different levels to no avail my client was turned down saying there's nothing they could do To break it down as seen above we're talking about 5 points on {$12000.00} = 60K points Deduct 18K points ( already received as standard 1.5 ) *Total Missing 42,000 chase points Here are the links that speak about the promotion dates and times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are links that the End date is included .... 

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

On XXXX of XXXX, I submitted to Experian, XXXX and XXXX   a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.
Product: Debt collection

I XXXX XXXX is taking time to submit a complaint against Capital One Auto Finance as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. Capital One Auto Finance has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by COAF and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. Capital One Auto Finance is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with Capital One Auto Finance, it will find that racism is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like Capital One Auto Finance, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX immediately, and as a professional courtesy by Capital One Auto Finance, the entire account should be deleted off of my credit reports with XXXX, XXXX and XXXX XXXX collectively. Capital One Auto Finance is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through Capital One Auto Finance internal self-insurance capacities. 
XXXX XXXX
Product: Vehicle loan or lease

my lease account with GM Financial has been on autopay for the entire lease agreement. When i needed to make a change I called in and was told everything was fine, payment would process on time. Unfortunately the autopay was not set up correctly even though rep said it was. this resulted in ONE late pay ( over 4 years ) and it is hurting my credit. I am requesting this late pay from XX/XX/year>2022 be removed immediately.
Product: Credit reporting or other personal consumer reports

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Kickoff Lending LLC the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with XXXX, XXXX and Transunion in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with 3 letters and online disputes through each agency as well. It has been a frustrating experience to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one took over Walmart credit card accounts and as a result capital one failed to process my payment in timely manner due to statements not being ready on my due date. As a result they reported to the credit bureaus as 30 days past due. Which is false. I called capital one and tried to settle the matter as i have other cards with them that i pay with my application without as issue. The transfer of the account seemed to be the issue in this case.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

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

My husband and I originally ordered a gas range and a dishwasher, but we discovered that we only needed a dishwasher. We have talked to the orders and contract department, in the store over the phone. They claimed that they adjusted the bill, which originally was XXXX ( page 6 ). They deducted the {$640.00} ( page 9 ), but they kept a remaining balance of {$450.00}. They should have created a new order receipt. 

They installed the new dishwasher and charged me for it and for the installation, which was {$480.00}. I have the receipt where it shows that only a dishwasher was delivered, so my bill should not have this overage amount.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I requested a copy of my credit report and when I received my report I was shocked to see some accounts that didnt belong to me so I immediately contacted my bank to freeze all my accounts
Product: Credit card or prepaid card

We were charged a {$38.00} late fee by Capital One Credit and called to get it removed and they refused to. Weve been heavily impacted from Covid-19. Our family has lost our jobs and have had numerous family and friends pass away. We were told when we initially called back in XXXX that we would not be charged interest and they would remove the late fees knowing that we are in a terrible situation. We need help here and shouldnt be punished for going through what we are going through. They said that the account will remain in past due status and will get reported to the credit bureaus. Weve never made a late payment prior to this and shouldnt be punished now.
Product: Debt collection

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and Transunion ) in  which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting???
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Comenity bank calls me from different phone numbers in different states. They called me yesterday XXXX times. Theyve already called me twice this morning and its only XXXX XXXX locally. They call when I am at work repeatedly and its going to make me lose my job.
Product: Money transfer, virtual currency, or money service

Coinbase Gobal Inc discontinued Coinbase Pro Service and closed all Coinbase Pro Accounts and informed everyone that cryptocurrencies in their Coinbase Pro Accounts will be transferred to their Coinbase Regular Account but I have not received my more than XXXX XXXX XXXX XXXX Coins in my regular Coinbase Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromXXXX, I noticed an unauthorized inquiry made by your company AMEX American Express on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

A {$340.00} medical debt has a {$500.00} attorney fee added and was delivered to my job to a coworker. I had an original debt I made payments on and believed was settled that I sucky received a court summon on delivered to my job. Company in question was credit systems inc .
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.
Product: Student loan

I want to start off saying I've been sent here from the XXXX stating they could not help with my situation. Though I've been trying to get on an income driven repayment plan for over 5 years now. Maybe longer. Though I've contacted fedloans at the beginning and they stated multiple times I'm missing something even though I've double checked everything and I still get declined. After a certain point the only thing I could have done at that point was keep halting my payment. 2 years ago I noticed they had the option to finally sign for it online with the IRS. I did and I got declined for it for not idea as to why. When I contacted them they themselves couldn't understand why I was declined either. I never got an actual answer to the problem. Last year I signed up again and I actually got approved for it and I was so happy I could finally get this fixed in someway. Whoever I talked to at the time stated I needed to make an actually first payment of XXXX $ to have it converted to the plan. I did so on a date I clarified if that would be ok to the person I was talking to. They stated yes and I was happy to hear that. I did call a couple times to clarify if my account is switching to the new plan since I kept seeing a late charge still on my account. Everyone I talked to stated yes it will changed. I was relieved to hear that. So after a certain point I saw the charge go away and excited to see the new payment. After the month I saw the payment revert back to the old payment. I was confused and really annoyed, angry, and disappointed that fedloans hasnt done anything. I called and they stated that I needed to make a {$5.00} payment to get the payment to revert ( which I knew about, but no one stated anything about this payment ) I told then I made a payment already for XXXX which should have been for the revert. They stated if I wanted to use that payment to use it for the revert fee. I befuddle on that question after telling them that exact answer. I stated yes and they stated they will put something down to get that fix. Cut to a month or so later I get an email throw my fedloan account on their site and they stared that it was decline. Why you may ask. Because I did not process an actually payment for this charge. At this point I dont know what to actually do at this point and I have yet to call them. I also wanted to state I have emailed them throw XXXX since they have an actually email option for contact on their site, but to this moment I have never gotten a response back. I have told them about it when I call, and they only say that's weird that no has responded like that is suppose to fix the problem, but that is basically what's going on and I dont know what to do. They marked me as a delinquent on my account, but I legitimately have no idea what to do at this point except keep halting my payments I'm trapped at this point.