23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Product: Checking or savings account

On Wednesday, XX/XX/year>, Capital One began experiencing a widespread outage that impacted thousands of customers ' direct deposits. Despite numerous public complaints, the company did not issue a notification to affected customers until Thursday, XX/XX/year>. In that update, they assured customers that the issue would be resolved " by morning. '' However, as of Friday, XX/XX/year>, the issue remains unresolved. 

I am missing a direct deposit from my employer. The deposit was initiated on XX/XX/year>, with a scheduled date of XX/XX/year>, and an early deposit expected on XX/XX/year>. As a result of this missing deposit, I am unable to pay critical bills, including rent, utilities, and essential groceries. 

I am also deeply concerned about the impact this may have on future direct deposits. Despite the ongoing situation, Capital One has not provided any further updates, leading to mounting XXXX  among customers about the security and availability of their funds.
Product: Credit reporting or other personal consumer reports

I requested the original contract with my wet signature as I have no recollection of entering into any agreement with Spring Oaks Capital, I am requesting a copy of the original contract bearing my wet signature where I agreed to pay Spring Oaks Capital. This document should indicate I am legally responsible for this debt with Spring Oaks Capital. I do not recognize this debt and therefore request that you provide complete validation to confirm my legal obligation, including original documentation bearing my wet signature to support the claim
Product: Credit reporting or other personal consumer reports

Hi i find fraudulent inquieries in my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been harmed by XXXX, XXXX and transunion. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.
Product: Credit reporting or other personal consumer reports

Contacted XXXXXXXX XXXX to request to have my payment adjusted in good faith since I have NEVER made any late payments and was advised that I am not able to have any adjustments on my account. I then asked the representative when did they send out my period statement and was it sent out 21 days before the due date and was advised that the statement went out in the mail and not sure exactly when the statement would have out. Which according to what Congress has stated is that " 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 ''. I also questioned on why a consumer who is never late on payments can not have an adjustment on their account and the representative stated that they do not have away to adjust the payment history once it has been reported to the credit reporting agency. I am sure that if you can report something you can also send a notice to have to have the information updated. I also sent in a complaint and haven't do not see where they have notified the credit reporting agency of the account being in dispute due to a billing error. This reporting has caused my credit worthiness and general reputation to be in question and is not fair and unequitable. Please update my payment to reflect a good payment standing the account has been paid as agreed and should not reflect anything negativity on my credit.
Product: Credit card

I have been receiving a letter acknowledging my authorization for automatic payment from my bank account on my macy 's credit card and the macy 's XXXX I had until XXXX of 2014 when I cancelled the XXXX out of frustration in not resolving this issue. Each letter I received was addressed to a different name, however it had my address and my account number and the correct billing information for that account. I called mace 's several times : twice I was told it would be fixed and it was not. The last time I was told that it was a computer error and could not be fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/2023 I submitted a chargeback request to my bank for items I had on an invoice on XXXX from the year XXXX. The bank told me that they would only give me {$1500.00} back of the {$5400.00} stating that it was out of their timeframe for XXXX. The seller did not send me my items and XXXX is aware. The office of the CEO assured me that they would help me. They did not. They regurgitated information from their fraud department and did nothing to protect me from the seller. The seller live in XXXX. So I am not able to sue them in the American courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency Equifax that the account is still open in collections.
Product: Credit card or prepaid card

I went to Wells Fargo, on XX/XX/XXXX, to submit an application for a business credit card for my real estate business. I received a call from banker, Ms. XXXX XXXX, notifying me that I have been declined because I am " soliciting too much credit ''. I spoke with the manager, Ms. XXXX XXXX, to explain I have my credit report and it shows two recent inquiries including Wells Fargo so how could I have been declined? She assumed the underwriters may decline someone for 3 or more recent inquiries and she will reach out to them to see what could be done and call me back.

After waiting for a month I decided to return to the bank on XX/XX/XXXX with the two credit reports used by the underwriters in hand and spoke to Ms. XXXX in person. She was able to see my XXXX  credit score was XXXX at the time of submission and that I had 4 hard inquiries within the last 2 years, two of those inquiries were on the same day, XX/XX/XXXX, for the same type of business and one other mortgage inquiry over a year ago in XXXX. Ms. XXXX was unsure why my business was declined and stated only the underwriter knows. I made clear that I am being discriminated against and the reason given does not match the actual facts on my credit report. Ms. XXXX stated she will see if I can file a complaint but I don't expect to hear from them per usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Equifax to change my credit report accounts that are NOT mine due to identity theft and data breaches, my aliases, addresses I have never lived at, and other SSN 's that do not belong to me since XX/XX/2018. I have sent them my information on five separate occasions and because THEY are spelling my name wrong, the information ( Driver 's License, Social Security Card, Police Report, FTC Report ) NONE of this sensitive information is going into my file. It is being filed as, " There is no credit report on this person ''. 
I want them to CHANGE MY NAME ON MY CREDIT REPORT AND FIX ALL FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$850000.00} XXXX XXXX  XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), DXXXX  ( Date Opened XX/XX/XXXX, Balance : {$5100.00}, ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXXXXXX XXXX XXXX ( Account number XXXX, Date opened XXXX XXXX, XXXX, Original amount {$16000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XX/XX/year> Shellpoint Mortgage sent a certified letter from my stating I was in foreclose and I had 30 days to respond and in 90 days I would lose my home I have owned this home for 20 years with no late payments. I was in shock and really upset. The certified letter was from the correct lender on my statements everything matches. I called my lender and asked what they are talking about. She told me Mitigation department has been sending these out just in case I need some help making payments ect. Appears they are trying to push people into refinancing. Missed NO payments this is horrible experience.
Product: Credit reporting or other personal consumer reports

I have tried to remove these unauthorized inquiries report repeatedly and am not getting the help or results I need. I have submitted FTC reports, police reports, and called XXXX over and over while their representatives lie to me and tell me that they will be removed in 24-48 hours with no results to show even weeks later. These fraudulent inquiries are holding me back from moving and improving my credit score. Please help me as soon as possible.
Product: Vehicle loan or lease

On XX/XX/XXXX, I refinance my vehicle, my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX ( XXXX Ex XXXX ) called Credit Acceptance ( XXXX XXXX XXXX, XXXX, MI ( XXXX ) and ask what was my pay off and they indicated {$13000.00}, my bank send them a check in full amount. I got sick with XXXX in XXXX, and until I got well I was able to pick up my mail, that when I discovered that Credit Acceptance was saying I still owed them money. I called they indicated I has not cancel my warranty ( {$2000.00} ) on time and that I would owe them money. I cancel the warranty on XX/XX/XXXX when I spoke to them. They then indicated they would need to call me and tell me how much more I owed them. I called them they indicated {$550.00}, this amount was owed becuase I didnt cancel the warranty. I tired to payed them its been rough with money so I didnt call them. My bank called them today, XX/XX/XXXX they indicated I owed them {$3300.00}. I called them they asked for a settlement. They are now saying my account never closed, its still active and that I owe them {$8900.00}. I dont understand why I owe them this amount if they told my bank i owed them {$13000.00} in XX/XX/XXXX and they paid of my account with them. There information was misleading not only to me but to my bank. Im now stuck with still owing them and im paying my truck to my bank.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notify I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding TransUnions ongoing unfair and inaccurate handling of my credit report, which has caused significant harm to my financial standing and well-being. 

Despite my efforts to fulfill financial obligations, including settling accounts through agreed-upon payments and resolving disputes, TransUnion has failed to accurately reflect these actions in my credit report and score. Specifically : Unfair Credit Score Impact : After paying off the account with XXXX XXXX XXXX, as documented in the attached materials, my credit score remained unchanged. This is despite a significant reduction in outstanding debt. According to Fair Credit Reporting Act ( FCRA ) guidelines, credit scores must accurately reflect changes in credit behavior. TransUnion 's failure to adjust my score accordingly is a violation of this principle. 

Incorrect Reporting of XXXX XXXX XXXX  : TransUnion continues to report incorrect and derogatory information related to XXXX XXXX, despite the fact that this account was fully resolved with the company. XXXX XXXX confirmed that they closed the account, ceased all collection activities, and requested the removal of their tradeline from my credit report. TransUnions failure to accurately update my credit file is a clear violation of FCRA regulations and has further damaged my creditworthiness.

Violation of FCRA Requirements : TransUnions failure to update my credit score and remove resolved accounts undermines its obligation under the FCRA to ensure the accuracy and fairness of credit reports. Descriptors such as Account Paid for Less than Full Balance and the continued presence of resolved accounts imply inaccuracies that misrepresent my financial standing. 

Harmful Misrepresentation : TransUnions mishandling of my credit report has caused undue harm by misrepresenting my financial behavior, thereby affecting my ability to secure favorable terms for credit, insurance, and other essential financial services. 

Requested Actions : Immediate Correction : I demand an immediate correction to my credit score, reflecting the positive impact of my repayment and debt reduction.

Removal of Incorrect Portfolio Recovery Information : The inaccurate reporting of the resolved Portfolio Recovery account must be corrected, and the tradeline should be permanently removed from my credit report.

Audit of Reporting Practices : TransUnion must conduct an internal audit to identify and rectify any systemic issues that lead to such inaccuracies.

Adherence to CFPB and FCRA Regulations : Ensure all actions comply with the Consumer Financial Protection Bureaus ( CFPB ) and Fair Credit Reporting Act ( FCRA ) standards. 
I have attached supporting documentation, including my credit report, payment proof, dispute results, and XXXX XXXX  confirmation of account resolution. I trust TransUnion to take immediate and corrective actions to ensure the accuracy and fairness of my credit report. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.
Product: Credit reporting, credit repair services, 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 ( ACCOUNT NAME ) XXXX ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ACCOUNT NAME ) XXXX XXXX  ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) ( ACCOUNT # ) XXXX  Has violated my rights. 
15 USC 1681 Section 602 ( A ) States i have the right to privacy 15 USC 1681 Section 604 ( A ) Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( c ) ( a ) ( 5 ) Section states NO consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) 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.
Product: Debt collection

I never received correspondence from Exeter Finance after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from XXXX XXXX sent a letter stating a {$5300.00} was owed on the vehicle, but is Exeter Finance reporting to CB that over $ 8k is still owed on account.
Product: Credit reporting or other personal consumer reports

I received unauthorized and unverified inquires on my credit report that I did not give access to
Product: Credit reporting or other personal consumer reports

: Formal Dispute of Inaccurate Credit Information - Account # XXXX Request for Immediate Deletion** Dear XXXX, Experian, and XXXX, XXXX recently checked my credit report, I am writing to formally dispute the inaccuracies in the reporting of account # XXXX on my credit file. After reviewing the information provided by your bureaus, I have identified significant errors and inconsistencies that are in violation of my rights under the **Fair Credit Reporting Act ( FCRA ) **, **Truth in Lending Act ( TILA ) **, and **Fair Debt Collection Practices Act ( FDCPA ) **. I demand the immediate deletion of this account from my credit reports in accordance of 15 USC 1666 ( b ), for the following reasons : I have attached supporting documentation.
Product: Credit card or prepaid card

On XX/XX/2019, I opened a credit card with Lowe 's, serviced by Synchrony Bank. I have been paying that card on time, when all of a sudden, I got an e-mail from XXXX XXXX that my account was closed without notice. I complied with everything. Synchrony ruined my life and this is not the first time they do it.
Product: Credit reporting

Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Payday loan, title loan, personal loan, or advance loan

stop all communication with me and my so call references my lawyer will be in touch i got people in XXXX  emailing my wife on XXXX saying you guys are sending my information to there mail box account number XXXX