23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have made multiple efforts to request validation documentation regarding a debt listed on my credit report. I have requested the name and address of the original creditor ; the amount of the alleged debt, an itemized list of charges that resulted in the alleged balance ; the last billing statement from the original creditor ; the purchase agreement associated with the alleged debt ; validation of the statute of limitations ; and authorization to collect the debt. I have received none of the requested information to date.
Product: Credit card

I set up a recurring payment plan with Bank of America credit card. The payment is due on the XXXX day of the month. I asked the agent at Bank of America on which dat I should send in the payment. I was told that since " ebilling '' I should send the payment on the XXXX of the month. I continued to do this until XXXX of XXXX  and I was billed a {$40.00} late charge. I called customer service and was told that the payment was not processed until the XXXX of the month and was assessed the late charge for this. This is an absolute scam. I was then told that Bank of America does not process payments on weekends and if the payment arrives on a Monday, it is not entered until Tuesday.
Product: Credit card

Advertised - 7 Years No Interest to open and current Furniture Row Express Money Card issued by Capital One. When I made my purchase I was only offered 5 years No Interest. We went to Furniture Row at XXXX XXXX XXXX. XXXX TX on XXXX and met with XXXX to purchase a Tempurpidic bed and foundation for {$4600.00} for the advertised 7 years no interest. The advertisement said " Offer available on approved singles or combined store purchases totaling {$3900.00} or more of qualifying merchandise made between XXXX/XXXX/15 and XXXX/XXXX/15 on an open and current Furniture Row Express Money card issued by Capital One , N.A . '' I have an open Furniture Row Express Money Card with an available credit of {$4700.00}. When I went to purchase I was told that they would only give me 5 years no interest. XXXX called Capital One on XXXX and said that my credit account is not in the correct tier to get 7 years and they could only offer 5 years. I called Capital One on XXXX and they said that this is Furniture Rows decision to offer 7 years not Capital One 's and I need to take it up with the store manager as they do not make the promotions. I filled out the paper work on XXXX with XXXX at Furniture Row to make the purchase by calling back in on the phone the next day after a discussed this with Capital One. I went ahead and made the purchase over the phone and received the 5 years XXXX interest. I have filed a XXXX complaint against Furniture Row. The complaint went unresolved and Furniture Row said that this is an issue with Capital One. I have called Capital One again and asked for something in writing to explain how I have a credit card that is in a different tier and can be denied the 7 years but given 5 years no interest. They said that they do not have anything in writing and offered to send me a credit card agreement. I have received the credit card agreement and there is nothing in it that states that I can be denied an advertised 7 year no interest and given a lower tier of 5 years no interest. This is false advertising that lead me into the store to make a purchase for 7 years no interest and then have it not offered to me even though I already had the approved credit card and credit limit to make the purchase.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across XXXX, XXXX, and Equifax. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from XXXX and Equifax while accurately reported as XX/XX/XXXX, by XXXX. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months. 
Equifax adds unnecessary remarks stating, " Closed or paid accountXXXX balance Auto, '' which is not consistent with XXXX and XXXX. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected.

Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement.

Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from XXXX and Equifax XXXX Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with Equifax, XXXX, and XXXX. 
Written confirmation from each credit bureau stating that these corrections have been made.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and TILA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

They send me a fake email address buy your company took {$860.00} out of my account never received my refund out of my chime account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.
Product: Credit reporting 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. 

XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am trying to purchase a car through Carvana. On XX/XX/XXXX made an ACH transfer for {$22000.00} for down payment on vehicle ( XXXX XXXX ) I later changed the vehicle, and intended the down payment to transfer to a different vehicle ( XXXX XXXX ) on XX/XX/XXXX but instead an additional down payment of {$22000.00} was drafted from my account as well as {$490.00} delivery fee. The XXXX was to be delivered on XX/XX/XXXX. I tried to receive a refund for one of the down payments, but XXXX said the payment is still pending. Then today on XX/XX/XXXX they canceled my order. So now I am out of {$44000.00} with no car coming. I just want my money back now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

capital one didn't pay off on their 360 saings account as promised
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/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

Diversified has Failed to comply with Federal law under the Fair Debt Collection Practices Act, by not properly providing verification as I have requested under my rights.Diversified has Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX, and the college duly notified XXXX XXXX about my enrollment status.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal Credit for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX XXXX {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect accounts showing on my credit report for all 3 credit bureaus and I have individually disputed online and in physical letters to all 3 multiple times asking for them to verify proof of the various debts and they have not ever sent me back any verification. I have requested multiple times based on the laws and each time they just say its accurate with no proof given to me and leave the accounts on. I should not have these accounts still listed on my credit reports.
Product: Credit reporting or other personal consumer reports

The following accounts reflecting on my credit reports EQUIFAX, XXXX AND XXXX are fraudulent. Please see attached FTC Identity theft report XXXX  XXXX XXXX # XXXX Amount ( s ) {$4000.00} and {$7900.00} Opened in 2014 please see attached documents. ( 2 accounts ) XXXX XXXXXXXX XXXX Amount XXXX Account # XXXX XXXX is showing a public record ( Bankruptcy ) on my credit report. It belongs to XXXX XXXX my name is XXXX XXXXSee attached documents
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the following items below on my credit profile. 
Account Name : XXXX XXXX XXXX I Account number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

Also, I would love to know how you completed this investigation because these accounts were opened fraudulent without my consent and I have even tried to contact these companies and they were unable to speak to be regarding these accounts because their reps stated that none of the information on these account verify to me. This should not be the case after your investigation has been completed. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. 
Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the of the above adjectives. I have even provide you with a ID THEFT REPORT AND POLICE REPORT. Please delete this erroneous account immediately! 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter, and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Prepaid card

I used my American Express Bluebird card to withdraw {$500.00} from a XXXX ATM on Approximately XXXX XXXX, 2016. Following this withdraw there were XXXX unauthorized transactions, in the amount of {$20.00} per transaction, for XXXX. I notified American Express Bluebird on XXXX XXXX and they opened my claim, I would call and follow-up on my claim and I was awarded {$20.00}, on XXXX XXXX, for XXXX that they felt was fraudulent/unauthorized. However, I was notified via email, on XXXX XXXX, that the remaining XXXX, identical transactions, were considered authorized. My account was also immediately canceled by American Express Bluebird stating I was in violation of the agreement section 22D on that same day. I spoke to a representative and was told that the department that reviews and declines disputes is unreachable that there is no email, fax, telephone or address on file and their decisions are final.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX, XXXX Account # : XXXX XXXX Account Type : Installment XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Automotive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXXXXXX Finance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Automotive : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXXXXXX Finance : XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Finance : XXXX XXXX XXXX Home Furnishing : XXXX XXXX XXXX Finance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.