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

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX XXXX  you furnished alleged transaction ( s ) on my Experian, XXXX, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( XXXX ) you have listed as late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this unverified, inaccurate and fraudulent data. The bureaus have multiple credit profiles for me. This is a violation of my consumer rights. Please correct my name, address and delete all negative data from my consumer report immediately.
Product: Credit card or prepaid card

XX/XX/XXXX received call we let go to voicemail claiming to be Capital One. Stated : " There was a problem with your account, but we have resolved it. If you have any further questions, call ( phone number given ). We ignored it as a scam call. XX/XX/XXXX received bill from Capital One and were surprised to see two new names authorized to use our account, XXXX XXXX and XXXX XXXX. The week prior, a collection company letter was received about a overdue XXXX XXXX XXXX bill for a XXXX XXXX we returned to sender. 

Called Capital One and eventually got to the Fraud Dept. New cards would be issued to us, but subsequent email to us stated new cards would also be issued to XXXX and XXXX. Called Cap One again and were assured that is not true, but no one could state why the email was sent saying otherwise. 

File a fraud alert with XXXX. Filed identity theft report with local police. They said to get the address where the cards were sent would be helpful if they are local. I called Cap One and Fraud Dept reported these fraudulent cards were sent to XXXX, Wisconsin, but claimed federal law protects the confidentiality of the crooks who stole our identity. I was given another number and a fraud report number : XXXX. I was given a phone number to text. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with an Experian supervisor and CSR who told me there were no past disputes against XXXX or XXXX XXXX account which just boggles my mind since I have all the CASES I HAVE SUBMITTED ON THE CFPB! I initially called to ask how to read my dispute results that are coming from them. This guy said he had no idea. And now a XXXX XXXX XXXX account that has been closed for YEARS ending in XXXX is OPEN & CURRENT? XXXX? This company is incompetent and I have no idea what they're doing with these disputes I have filed as they show no record I ever submitted any! This guy told me a different department at Experian deals with CFPB complaints and that I can not talk to them. They have not provided any resolution to my complaints and now stating theres no record and an archived account is now active? PLEASE STOP CLOSING MY CASES UNLESS THERE IS A RESOLUTION PROVIDED!
Product: Credit reporting or other personal consumer reports

Most of what is in my credit report is wrong I already submitted forms with equitable from my understanding they have been adding wrong information on almost everyone credit report since 2017
Product: Debt collection

the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses.This is a notice of dispute pursuant to the Fair Credit Reporting Act FRCA ), section623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I amrequesting the verification to follow reasonable procedures to assure maximum possibleaccuracy, of the information on my credit report. So, I am requesting you verify the items Iam disputing at a higher standard than a third-party database search. Please also notify thesource who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove thefollowing unverified account : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please REMOVE/DELETE these INQUIRIES 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

# 1. DEPT OF ED / XXXX Acct # XXXX # 2. DEPT OF ED / XXXX Acct # XXXX # 3. DEPT OF ED / XXXX Acct # XXXX # 4. DEPT OF ED / XXXX Acct # XXXX YOU ARE REPORTING THAT I AM 90 DAYS LATE FOR XX/XX/XXXX BUT YOU SHOW THAT I HAVE SUBMITTED ON TIME PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ... .HOW CAN I HAVE BOTH 90 DAYS LATE YET THE XXXX PRECEDING MONTHS ARE PAID ON TIME??? 

I can't believe the inaccurate reporting on my credit report! According to the credit bureaus, I'm 90 days late on my XX/XX/XXXX payment, even though I paid on time in the previous months of XXXX, XXXX, and XX/XX/XXXX. It's frustrating to see these errors, especially when they can have such a significant impact on my creditworthiness and financial future. 

It's not just me- a XXXX study by the Federal Trade Commission ( FTC ) found that one in five consumers had an error on at least one of their credit reports. That's outrageous! These errors can lead to higher interest rates, credit denials, and even affect my job prospects.

There are several common types of errors that can occur on credit reports, including incorrect personal information, outdated account information, and inaccurate payment history. In my case, it's clear that there's an error in the payment history section of my report. 

I'm so frustrated that I have to deal with these errors. It's not fair that I have to spend my time and energy correcting someone else 's mistake. And even worse, the burden is on me to prove that I'm in the right. It shouldn't be this way!

I know I need to take action and contact the credit bureau ( s ) to get these errors corrected. But it's just frustrating that I have to go through all of this trouble because of someone else 's mistake. It's not right, and it's not fair. I just hope that in the future, credit bureaus will be more careful and accurate in their reporting so that others don't have to go through the same frustration and hassle that I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I seen on my XXXX XXXX that I have these 3 hard inquiries that I dont know about and one of them was car hop in XXXX. It shows no amount just that it affected my credit report.
Product: Credit card or prepaid card

Dear all, I booked a return flight for XXXX from the US to XXXX using points from my Chase Saffire Reserve account, on the Chase Travel portal. The flight involved two different airlines - XXXX XXXX and XXXX. Flights were later cancelled due to COVID. I requested a refund through the Chase online form. I then received an email saying I could only request vouchers from the airlines and couldn't get a refund. I did that and got two vouchers. I was later informed that it is illegal to force a voucher and I should have been offered a cash refund option, so I called Chase back. They refunded me ( in form of points back into my Chase account ) the XXXX XXXX flight, but said I had to contact XXXX directly for that flight. I called XXXX and they said I can't get a cash refund because I have already accepted a voucher. I told them I accepted it only because Chase told I had no other choise, so they said to discuss it with Chase. I called Chase several times and finally submitted a written request. They said there is nothing they can do and did not admit to their error, although i told them to review my recorded customer service calls to listen in on how I was given no choice. XXXX is not an airline I plan to use in the future and they recently cancelled the itinerary I needed for the dates I needed, so I had to book a new flight at my expenses. The mis-communication was between Chase and XXXX and I dont think it's fair for me to be stuck with a voucher I have no way to use. The total amount of the trip was {$560.00}, the amount that was not reimbursed was {$250.00} for a total of XXXX points ( I can't see how many points for each flight, but I was already reimbersed points back for the XXXX airline leg ).
Product: Checking or savings account

XXXX XXXX is refusing to close our XXXX  account. Weve submitted a close account form and asked for a refund over a month ago. Service fees are now being charged. On XX/XX/18 I called customer service and they put me on hold and then hung up on me and did not close my account. Ive used every option I can think of but they continue to charge service fees and not refund the extra amount or close the account as submitted to them in writing.
Product: Credit card or prepaid card

I disputed a charge on my XXXX XXXX-Bank of America credit card and they never followed up with me before they closed the claim. I called them to get a email or fax number to send my documentation but no one returned my call. 

I ordered a product online for {$49.00} and the company XXXX charged me {$180.00}. I shipped the product back to company and they would not guarantee me a refund. So I disputed this charge on the phone with Bank of America and after giving them all the information they assured me someone would follow up requesting addtl. information. 
They never contacted me and 60 days later they closed the claim stating they could not substantiate my claim because they didn't have proof the product had been returned. 
When I faxed them the shipping and tracking information the same day, the followed up with a letter saying it was not received by the specified date. 

I have contacted Bank of America customer service 3 times to let them know I would like them to reopen the case because this claim was mishandled by them.. Each time they have stated someone would call me back within 2-4 business days. It has now been 10 days and no one has followed up. 

Case number : XXXX Date opened : XX/XX/19 Amount : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been impacted by the recent security data breaches at Transunion. 

My credit report shows inquiries that are not associated with any open accounts. 

Inquiries in question : XXXX XXXX XXXX. 3 inquiries dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing a XXXX XXXX account on my credit file with expierian for a long time now and they have not yet to delete this from my credit file I've submitted documents stating that account is fraud from the account company and they have yet to delete this from my credit I've spoken to XXXX they say the account was closed for fraud other say they are investigating and I don't know hat to believe I know this is not mine and I need it off my report I've never even seen a card from these people it's ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove fraudulent inquiries on my credit report. These inquiries are a result of identity theft and I have provided equifax with all the information necessary, however equifax has neglected my request to remove this fraudulent infornation from my credit file.
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corporation has preyed upon me as a XXXX adult and continues to repossess my vehicle without first giving me the option to voluntarily meet in an agreed upon location as is required by Florida law. XXXX XXXX has charged me alleging that I must pay XXXX XXXXXXXX in order to now recover my vehicle. I only have XXXX payments remaining on the loan at XXXX XXXXXXXX. There is no way I owe this amount on an {$8000.00} vehicle when I was unlawfully required to put down {$4500.00} as a downpayment. This is the 3rd time this year Credit Acceptance has extorted me without showing me proof of what is owed on the car loan. Credit Acceptance has not provided me a ledger or an adequate contract that notes the amount I allegedly owe. Credit Acceptance does not have a valid security agreement nor a XXXX financing statement that would allow for them to hire a XXXX XXXX  debt collector to steal and confiscate my car and narcotics within the vehicle. I am being targeted and coerced into being defrauded. Credit Acceptance shall not be allowed to oppress me while simultaneously and directly effecting my daily activities and my health as a whole. I am demanding proof and the immediate cessation of collection activities. Furthermore, Credit Acceptance continues to tarnish my reputation and cause me to be subject to prejudicial treatment as they continue to unlawfully report alleged late payments on my credit report when Credit Acceptance knows it does not have my consent not the authority to report such activity by law under the FCRA 15 USC 1681a ( d ) ( 1 ) ( A ). Remove the late payments and return my vehicle or I will be forced to take legal action.
Product: Student loan

I graduated college in XX/XX/2009 with roughly {$130000.00} dollars in student load debt -- some are private and some are federal loans. Since 2009, I have been paying over {$900.00} a month towards my loans, never been late or defaulted. I am actually on the automatic withdrawal plan where the amounts are direct deposited from my bank account. If you figure this up, I've paid over {$90000.00} towards my loans but yet when I look at my principles today, I owe more than I did when I graduated! 

I consolidated my loans back when I graduated and it appears each month, so little is going to each loan that I'm not even putting a dent in the overall principle of any of my loans. I've tried to discuss this with the lenders ( XXXX AND NAVIENT ) but they offer no help. It appears to me they have my loan amounts set up in a way that is most favorable to them to where I WILL NEVER get my loans paid off. 

There is a reason why our generation is struggling financially and this is a great example. THIS SHOULD BE AGAINST the law as both companies XXXX and Navient, are gaining big time off the way my loans are structured. I have not been late on a single payment, have paid over {$90000.00} dollars in repayment, but still my principle exceeds my beginning balance. I have a wife and a young son, and I'm just thankful I have a job that enables me the opportunity to pay this debt, on that is without a doubt set up in a way that benefits the lenders. Any help to restructure my loans in a way that is more beneficial to my overall well being and financial situation would be much appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Did not pay my XXXX insurance after car was totaled. Transferred my loan out Westlake after US Auto Sales went out of business and charges extra fees.
Product: Payday loan, title loan, or personal loan

The hard inquires on my report I did n't request for them, have n't tried to receive no line of new credit, from credit cards are car loans are nothing like that I have over 10 inquires, have no clue where they came from,
Product: Credit reporting or other personal consumer reports

The List of ADDRESSES below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX Va THESE ARE NOT MY ADDRESSES AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.