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

Trying to clean up my husbands credit. 
He is a combat veteran with XXXX, who recently also had XXXX and well as our entire family over the span of 3 months that put even more strain and stress on him. 
XXXX XXXX states they can not provide us or help us with the items we are requesting and need to be done, that will help clear up some issues on his credit as well as that need to be provide our mortgage lender for rescoring purposes to obtain a new home. 
They were unhelpful and seemed to careless. 
I was shocked and beyond disappointed that this is how such a large bank would treat a veteran and his family.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

A loan company calXXXX XXXX XXXX has report a XXXX charge off close a account as open to my credit bureau constantly damaging credit score with inaccuracies information of reports..I dispute this company servals time and hasn't been remove. I was company for accurate information to account of balance whom the debt been wrote off/chargeoff to and also 1099 as IRS recommend under charge off accounts for earn income.company hasn't not responded and constantly report inaccurate information to my bureau constantly cause my score to drop and me to have less credit worthiness to build relationship with lenders and establish better credit building profile..the account needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, Equifax and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX, Equifax or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX {$550.00} XXXX  XXXX XXXX XXXX XXXX {$170000.00} XXXX  XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXX   XXXX XXXX {$500.00} XXXX  XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am attaching a photo from the Equifax data breach settlement it shows my claim number of XXXX. Due to the unlawful sharing of my personal informantion by XXXX there are accounts reporting to my credit that are not mine. The account details or said accounts are listed below, I am requesting that they are removed immediatly as they are having a negative impact on my business and well being. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have alredy confirmed that these accounts dont belong to me and therefore I am requesting they be removed immediatly. There is also an inquiry on my Equifax credit report that is not mine and I am asking this to be removed as well. Thank you for your time and consideration.
Product: Debt collection

I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL
Product: Mortgage

I am a Veteran, and am tired of getting these shady offers in the mail. It is a rip off and I am sure there are veterans who fall for it.
Product: Credit reporting or other personal consumer reports

I requested bureaus XXXX, XXXX, and Equifax to reinvestigate accounts : Account name : XXXX XXXX XXXX XXXX ( XXXX ). Their results determined everything was complete and accurate. However, I am finding the reporting accuracy across the 3 bureaus is not correct. According to 15 USC 1681i ( 5 ), the bureaus are required to modify accounts that aren't reporting correctly. 

I am requesting proof of investigative efforts for this account. If proof can not be provided, I am requesting this account be deleted from my credit report due to inaccuracies.
Product: Vehicle loan or lease

I financed a new XXXX XXXX XXXX with {$5000.00} down payment ( total price {$53000.00} ) and 0 interest for 72 months at XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX  , CO ). Today ( XX/XX/XXXX ) the dealer told me I must pay {$26000.00} more down payment otherwise I have to return the car, and charge {$99.00} dollar per day for the 10 days I drive. They have carefully checked my background before signing the contract. If they can not make the deal why not just tell me at the beginning? The monthly payment has not started yet ( will start from XX/XX/XXXX ) but they broke the contract already. I can not pay for the extra {$26000.00} dollars immediately. But if I return the car I need to pay {$1000.00} for the miles I drove these days ( just 200 miles ). This is absolutely a defraud and robbery. Assuming I have the money and paid for the extra down payment, what about after I drive for three months and they force me to fully pay for the car. If I don't have enough money at that time, they will charge me more money for the miles.
Product: Credit reporting or other personal consumer reports

1.Required by 12 CFR 1006.34 ( B ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been offered the opportunity to dispute the account in accordance with.

12 CFR 1006.34C ( 4 ) ( 1 ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
XXXX. XXXX XXXX XXXX has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( 7 ) ( A ). XXXX XXXX XXXX is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and definitely being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

ON XXXX XXXX, XXXX I SENT A LETTER TO THIS COMPANY INFORMING THEM TO VERIFY THE DEBT AND INFORMED THEM TO CEASE & DESIST. THIS FOLLOWED THE CEASE & DESIST UNTIL XXXX XXXX, XXXX WHEN I STARTED RECEIVING PHONE CALLS AGAIN. DURING THE TIME IN WHICH THEY DID NOT CONTACT XXXX WAS IN CONTACT WITH ME & I DISPUTED THE BILLS DIRECTLY WITH XXXX. WHO IGNORED MY DISPUTE. I FEEL TAT ENCHANCED RECOVERY COMPANY, LLC VIOLATED MY RIGHT 'S BY STARTING THE PHONE CALLS TO ME AGAIN. ALSO IN THAT LETTER I INFORMED THEM I DID NOT WANT TO DEAL WITH A COLLECTION AGENCY THAT I WOULD DEAL WITH THE CREDITOR DIRECTLY.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX MA, XXXX
Product: Mortgage

Not Approved for a home equity loan due to bankruptcy score verbally by First Citizens Bank. Please provide validation that this bank performs score performance on a regular basis to ensure its accuracy and predictability. I was recently approved by this same bank for a Equity Line using the bankruptcy score. 
I provided First Citizens with recent payoff of a {$280000.00} loan from XXXX. They can not determine its negative impact on bankruptcy score. XXXX contacted First Citizens Directly to inform of the reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX Inquires XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX 3. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there inquires are my report that I don't recognize and I did not authorize believe that they fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX - XXXX Balance {$7300.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$5400.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$2900.00}, XXXX  - XXXX Charge off {$500.00}, XXXX XXXXXXXX XXXX XXXX XXXX Charge Off {$990.00}, XXXX - XXXX Charge Off {$690.00}, XXXX XXXXXXXX - XXXX Past Due {$160.00}, XXXX  - XXXX Charge Off {$350.00}, XXXX - XXXX Paid Charge Off {$8100.00}, XXXX XXXX - XXXX Charge Off {$920.00}, XXXX - XXXX Past Due {$920.00} XXXX XXXX XXXX - XXXX Balance {$160.00}, XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$40.00} XXXX XXXX XXXX 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 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I accidentally deposited a check that was fake but I wasnt aware that it was fake. it was an accident and the bank closed my account and im unable to open another account or even a second chance account
Product: Payday loan, title loan, or personal loan

I hope all is well I would like all the late fees removed from my Klarna account please because its not my fault that XXXX allowed my account to get hacked and someone made charges on my Klarna that wasnt me. I filed a police report when it happened as well as contacted XXXX headquarters. Im now with XXXX XXXX due to all of this. They did a SIM card swap and was able to get in my phone and get access to my Klarna. Because of all of that it caused me to have late fees. Can you please remove the late fees it will make it easier for me to pay the balances. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX credit card accounts must be removed from my credit report. I was denied credit due to this fraudulent accounts on my experian, XXXX, and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, XXXX XXXX is displayed on my credit reports as an inquiry. 
( a ) I did not apply for any loan with XXXX XXXX ( b ) I never inquired about any services with XXXX XXXX and it is likely someone else used my information in an attempt to apply for this loan.

( c ) This is not me that applied for this loan. Delete from my credit report.
Product: Credit reporting or other personal consumer reports

Defamation of character, reporting in accurate information about me. Reporting a charge off account from years ago as current and owing when its charged off. See attachments
Product: Credit card or prepaid card

I applied for a line of credit using Grain Technology. I had to pay {$250.00} deposit for a {$600.00} credit line that can be withdrawn and deposited to your bank account. They decided to do a verification and everyone had to upload their IDs and such. Well over six months later the app is still saying verification pending and I am not able to access the line of credit but they are still withdrawing money from my account. None of my emails have been returned and they do not answer the calls. They just loop to different pre-recorded messages. This is frustrating because I want to pay it off and close it and I can't even see the account status or balance. No access whatsoever. No contact whatsoever
Product: Credit reporting or other personal consumer reports

Please properly investigate these inaccurate/ incomplete accounts and Unauthorized Inquiries on my credit report. For they do not belong to me and they are Fraudulent. My name is XXXX XXXX XXXX and this is not a third party filing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Equifax Credit Reporting for inaccurately and fraudulently reporting information on my credit report. The inaccurate information being reported by Equifax Credit Reporting is violating several laws, including the Fair Credit Reporting Act.

Upon reviewing my credit report, I discovered that Equifax Credit Reporting is reporting credit cards from XXXX XXXX and XXXX XXXX that do not belong to me. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Equifax Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit.

Moreover, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Equifax Credit Reporting. According to 15 USC 1681s-2, a person shall 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. The credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Equifax Credit Reporting delete the inaccurate information immediately, including the credit cards from XXXX XXXX and XXXX XXXX that do not belong to me. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Equifax Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX an individual went into a local Chase branch using a fake ID and the incorrect name and withdrew my remaining funds of {$2400.00} and closed my checking and savings account. In XX/XX/XXXX I contacted Chase to update my name due to being recently married and was then made aware that the account had been closed and my money withdrawn. 

Chase has refused to investigate due to my reporting the fraud after 60 days. But the policy states that I have 60 days to report it after receiving the most recent statement/closure letter. The bank provided the thief with the closure letter, not me. They say they mailed a closure letter to me but I did not receive it and neither the bank manager nor the Executive office can reproduce that letter or prove it was actually sent to me. Which means the 60 day policy is void.

I should not be responsible for their mistakes. I can not report something I am not made aware of. As a business and financial institution they need to be held accountable and reimburse me of my stolen funds.
Product: Student loan

On XX/XX/XXXX of 2022 I was contacted by XXXX XXXX from # XXXX and he stated he worked for XXXX XXXX XXXX and was calling me to settle my XXXXt loans at {$0.00} for only XXXX total processing fee. He set me up on a payment plan of XXXX starting XX/XX/2022. He said he had access to my XXXX  loan account to start the process of handling my debt relief so I taught hey maybe he is legit. So he took XXXX from me until in XXXX I noticed something fishy and immediately reported my credit card as fraudulent activity. When I tried contacting XXXX at that phone number it will send me straight to voicemail and that's when I felt that I had completely gotten scammed. What I don't understand is how did he get access to my XXXX  loan information. His email was XXXX with an IP XXXX. The action I took was to report the problem to my XXXX loan servicer as a scam. Please put my story out there so nobody else has to go through this. Thanks for listening to me.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX stated that I received a copy of my credit report and there is unknown inaccurate information listed on my credit report. There are misspelled names and inaccurate unknown inconsistent account information on my credit report. Theses companies has done nothing but ignore me and continue to violate my rights as a consumer by reported this inaccurate information every month which is negatively impacting my credit which is hurting myself and my family lively hood. Per 15USC 1681i these companies by law are supposed to investigate this information to make sure that it is XXXX percent accurate before reporting anything to the public, which they DID NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts or inquires listed