23daVinci/CFPB_Complaints huggingface dataset:
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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or \ '' XXXX XXXX '' I am writing to dispute the late payments listed on my account and request an update of their status to " paid on time, '' in accordance with the provisions outlined in the Fair Credit Billing Act, specifically under 15 USC 1666b . 1. XXXX XXXXXXXX XXXX  Account Number : XXXX As per my rights under this federal statute, I am entitled to dispute any billing errors, including late payments, and request corrections to ensure accurate reporting. Additionally, I want to remind you of the requirements set forth in 15 USC 1637 and 1637b, commonly known as the " Billing Error Resolution Procedures '' and " Billing Error Resolution Act, '' respectively. According to 15 USC 1637, before any late payments are furnished to my credit report, I should receive a notice in the mail requiring disclosure or the 1637b disclosures at least 21 days prior to reporting. Failure to provide this notice renders any alleged late payments non-existent and not applicable for credit reporting purposes.
Product: Vehicle loan or lease

I received a preapproval for XXXX with a 2.6 % interest rate, but due to weather concerns the check was delayed by XXXX. Did preapproval through the dealership website with equal rates, so went to the dealership anyway to purchase vehicle. When the dealership did the credit application the DOB was incorrect and told them to correct it. Was told that it would be prior to moving forward. During the finance process, different terms were established even though we were told we wouldn't have to put any money down. Advised the best they could do would be a 72 month contract with similar rates. Instead of a low interest rate it was actually increased to 13 % and the terms of the car were changed well because we told them we would not be willing to go past XXXX. It was a lot of switching around but ultimately, we thought we were still getting the original terms. The purchase happened on the XXXX, and I reviewed the paperwork because the whole process was off putting. Upon the review I discovered that the DOB was never actually corrected, so I waited to the next business day so we could resolve the issue. Before returning to the dealership I received the original preapproval check and returned to the dealership in good faith to fix the mistakes that were made. They advised that since the paperwork was already submitted to the financial institution they selected ( Ally Financial ) there was nothing that could be done. Unsatisfied I left the dealership to only be called a few minutes later by the XXXX. Convinced by the XXXX to return, I again returned to the dealership only to waste more time with pointless details that Ally financial should be willing to work with us to get matter resolved. Later that same night on the XXXX I called Ally financial only to be told that they did not have my application package yet and there was nothing they could do. They could not even notate the account even though they could see my information in the system. 

I called every day since only to discover that instead of calling me before approving the funding, they actually went ahead and accepted the transaction which should have been voided due to the incorrect data contained in the application as well as being an expense I could not reasonably afford. The contract was changed to such an extent that the car was not worth the value I would have to pay. I sent emails to both the dealership and Ally financial with no response. I received a call from the dealership a few days later, thinking that they finally wanted to go over the transaction, I prepared everything I had. Only to realize it was the salesman calling to see how I was loving the car. 

I have reached out to both the dealer and Ally several times with no responses, and I also discovered my credit was again pulled on XXXX which I did not authorize. Any advice would be greatly appreciated.
Product: Credit card or prepaid card

I made a payment to Capital One on XX/XX/XXXX via a cashier 's check for {$4100.00}. The check was sent through XXXX with tracking # XXXX delivered on XX/XX/XXXX signed for by XXXX XXXX at Payment Processing Capital One XXXX XXXX XXXX XXXX NC XXXX. The cashier 's check cleared XXXX XXXX XXXX on XX/XX/XXXX. The payment was never posted to my account. I started an investigation with capital on XX/XX/XXXX Case number XXXX. On XX/XX/XXXX, a letter stating that proof of check was needed. I faxed over copies of the check, letter, XXXX slip and proof of delivery. On XX/XX/XXXX received another letter from capital one stating that was not enough information/proof. On XX/XX/XXXX faxed over proof of the cleared cashier 's check. On XX/XX/XXXX received a letter from capital one stating that We received your request concerning your payment for {$4100.00}, processed on XX/XX/XXXX. Your account was not credited because the funds were sent to an invalid account and returned to the originating bank account. I have not received the money back to my original account. I have contacted capital one several time and they do not have an answer as to where my {$4100.00} is at. One of the last phone calls we had both financial institutions on the line and capital one told XXXX XXXXXXXX XXXX that they returned the original check back to them, which would not work due to check was already cleared. Then the next person for capital one said that she needed to start a new case to find out where the money is at. This payment was not made to any type of loan that has a lien attached to the account. It was made to a credit card payment. I have requested a check number and tracking number from capital one. Capital one would not provide this information to me. I also, requested that they do a stop payment on the check and deposit the funds into my checking account with capital one. They would not accommodate this request. They then informed me that the funds were being sent back electronically, I advised them with XXXX XXXX XXXX on the line, that they can not return electronically due to the check was a cashiers check.
Product: Credit reporting or other personal consumer reports

I asked them to remove it because its showing twice with webank and midland credit management same account but reporting twice
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I keep sending documents over and over for them to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$760.00}, XXXX  XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX, XXXX, XXXX XXXX XX/XX/1986
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : 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

Ive reached out to Equifax and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.
Product: Debt collection

I send them a letter for validation and verification of debt and they failed to meet the standards of proper debt validation under the Fair Debt Collections Act ( FDCPA ), particularly : 15 U.S.C. 1692g ( b ), which requires the debt collector to provide sufficient verification that the debt is valid.

15 U.S.C. 1692e, which prohibits the use of misleading or deceptive practices, including attempting to collect on a debt without proper proof of its validity.

Without a signed contract or notarized documentation, there is no evidence to support their claim that this debt is mine. The lack of proper validation undermines their right to collect this debt and raises serious concerns about the accuracy and legality of their practices.

Resolution Sought : I request that the CFPB investigate this matter and require the debt collector to provide full and proper validation of this debt, including all requested documents. If they can not produce this evidence, I ask that the debt be deemed invalid and removed from their collection efforts and any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF INQURY XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Listen you ( XXXX, XXXX, EQUIFAX ) disgusting pieces of garbage. You critters of Evil servants of XXXX the XXXX creatures of XXXX, literally carrying on the work of your father the XXXX that make bloody profits by causing ruins on other people 's lives, who is the one really blocked all my financial means of living you are just his puppets. XXXX XXXX ; Re XXXX That is the same thing you have been saying ever since 2020. The company is working on your issue, we apologize for the inconvenience. 

You filthy disgusting garbage is your apology going to put food on my family 's table or do we serve your apologies on our family 's table to eat? 

What does it cost you to follow the FCRA Laws & Regulations Block all the items not recognized by the consumer because of identity theft and data breaches. 

No buddy is asking you not to investigate, on the contrary investigate all you want to your heart 's delight. 

Then depending on what you find out through a real investigation again do to hearts delight rescind the block. 

But why would an Evil critter do the right thing what should be done according to the Laws & Regulations?
Product: Credit card or prepaid card

Hello, Discover credit has randomly decided to close my account without providing any proof as to why. I have submitted all the required documents they asked for, along with also getting approved for the card just a few months ago. This is completely unfair and this choice of " randomness '' will negatively affect my credit score. I'm not able to dispute this directly with them, which has lead me here. I am looking forward to receiving a resolution for this. 

- XXXX XXXX
Product: Credit reporting

Arkansas XXXX XXXX XXXX , XXXX was paid in full on XXXX XXXX, 2014. We have the letter from them stating the account is 'PAID IN FULL '' and the Promissory Note marked " PAID IN FULL ''. This has been continuously reported unpaid. Account # XXXX. I, XXXX XXXX, was guarantor on the note, the note is originally in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
The paid in full came from XXXX XXXX General Manager.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I requested information from Bridgecrest Auto loan that was given deadline like correct balance, monthly payment the amount is still inaccurate on my credit report even though XXXX, XXXX and XXXX says they investigated just because company said that it was accurate that don't mean their right seems credit bureaus work with the companies instead of the facts
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 : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 U.S.C. 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: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2019 and XX/XX/2019 my credit card was charged my someone else committing fraud. The total amount charged was {$1200.00}. I received a message alert when these purchases were being made and I replied that it wasnt me. After an initial investigation, JC penny said that I am responsible for these fraudulent charges. I have a JC penny credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.. 



5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Payday loan

I finally spoke to a live person at the company and explained to them when I would make my payment. Shortly after we spoke, I continue getting their unwanted computer generated calls. After my answering service picks up the calls, the company hangs up and continue calling my number at least 6 times a day.
Product: Mortgage

I SOLD my house on XX/XX/2019 and the money to pay off the mortgage was 'WIRED '' ELECTRONICALLY in the amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$76000.00} ) to M & T Bank on XX/XX/2019. This was 'VERIFIED ' by Closing Attorney 's office as to the amount of Pay OFF that was due under mortgage account XXXX. To date ( XX/XX/2019 ) M & T bank has NOT UPDATED to show that I have a XXXX balance with them and that the mortgage is PAID IN FULL. This is effecting my " CREDIT '' and should have been UPDATED BY NOW. I DO NOT OWE THEM ANY MORE MONEY!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the fair debt violatIons ATTACH ARE FTC VIOLATIONS UNFAIR LENDING PRACTICES VIOLATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to put a freeze on my account on X/X/17. Paid requested {$5.00} fee. Freeze request failed, but my credit card was charged anyway. Unable to reach customer service to fix the error.
Product: Debt collection

I have contacted this company, the XXXX XXXX XXXX and the XXXX XXXX XXXX letting them know my identity was stolen and this account was the result of Identity Theft. I received a Verification of Debt letter in the mail that was not signed by me and does not belong to me. This company is trying to collect on a debt that does not belong to me.
Product: Prepaid card

I received 5 {$100.00} Amex gift cards from a supplier as a thank you. I tried using one of the {$100.00} cards at several different places online and all of my efforts came back as declined or " couldn't complete transaction '' I called and spoke with customer service and they said the card " should '' work since it was active with a balance and to maybe try to use it inside a physical store. I tried to use it at a spa and they couldn't get it to work and then I tried to use at a XXXX store and it also couldn't be used. I tried using it several more time at a gas station and a XXXX XXXX. All declined or wouldn't work. How embarrassing! I knew there were funds on this card. I finally googled to see if anyone else had been having this problem with these cards and found a bunch of complaints about them. After following some of the advise on the internet, I was able to add a card to my XXXXXXXX XXXX even though I didn't want to do that. It was more of an experiment to see if that advise from the internet worked. For many people, it hadn't. 
That's insane to me! Why should I have to be restricted to use PRE-PAID cards at certain places or jump through hoops and cross my fingers that one of these places that I try and use this card works. AMEX customer service said they should be accepted and work all places that accept their card. It's quite ridiculous to me that there should be any struggle to use them. They have been nothing but struggle!! If the organization that sent them to me, and paid for them, knew what a pain these cards have been, I am sure they would be mortified that they wasted their money on them and sent them as a gift. THESE CARDS SHOULDN'T EVEN BE ALLOWED TO BE SOLD IN STORES if this is what happens. They are basically fraudulent because they rarely can be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts showing open on my credit TransUnion credit report that should be reporting as closed with XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following public record and credit inquiries listed on my XXXX XXXX and Lexis Nexis credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}