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

In XX/XX/year> I applied for a business credit card, which they gave me, which I used but they sent the bill to the wrong address. They called me in XXXX for the first time and they said that I was late, the next day I went to the Bank and paid, they did not give me a courtesy call, then I found that they were using the wrong address for the mail and I dispute the late payment and proof to them that was the wrong address, I dispute with XXXX twice, two bank managers submit the dispute and they keep saying that they were right, my credit score decrease XXXX points and I have a financial hardship for their fault, they have not treated me as a client, they treat me as an enemy. In my dispute, I sent them my credit report to show them that I have never been late and nothing happened. Even though I have a business loan with them and I show them that I always pay on time. I don't know if they discriminate against me for being XXXX, but they abuse me.I called them and explained, I asked to talk with a supervisor and their attitude was the same. I am retired and receive a direct deposit and they keep charging me the {$25.00} service, I even was trying with a Lawyer. I work in XXXX XXXX and XXXX, I know the importance of my credit and they have been pushing me to not pay them
Product: Credit card or prepaid card

I am unable to make payments online and keep receiving late payments for it. 
I first noticed in XXXX of this year that my automatic payments hadn't been going through, but I hadn't received any kind of notice but had incurred late fees. When I opened the app to try and make a payment the app wouldn't allow me to and said I must call : XXXX XXXX XXXX I called the number but the person on the phone said everything looked normal and fine. Had me try opening it on a browser on my computer and had me try some password reset tests. Nothing worked. She finally suggested I go in to a branch to fix it. I didn't have time, so he following month I paid by phone, but after that, the phone option wouldn't work any longer so I went in to a branch. Which much tedium they pulled money out of my checking account and I paid but they couldn't help me fix it without an appointment. So I made an appointment for a couple days later. I went in for the appointment and the banker tried a bunch of things but was baffled and couldn't figure it out. All that I want is the same customer experience as everyone else. I don't want to have to take a longer lunch every month to lose money from my hourly job to go in and pay. I just want to setup automatic payments and have them stop charging late fees and making it so difficult to make payments.
Product: Checking or savings account

I have XXXX XXXX accounts with Optum financial. The first was through XXXX HR/payroll management company on behalf of my employer. My company changed payroll providers to company XXXX, resulting in me receiving a XXXX XXXX XXXX account. I wanted to invest the excess funds in my XXXX XX/XX/XXXXas I had been doing in my XXXX XX/XX/XXXX. I attempted to do this in XXXX, but the XXXX website said that my XXXX XXXX was not eligible for investments. No one at company XXXX or XXXX has been able to explain to me why this is the case ; both parties say that there is no reason the account should not be eligible. As a result, I am unable to take advantage of XXXX of the primary benefits of the XXXX structure. 

On approximately XX/XX/XXXX, I contacted XXXX support and was told they would look into the matter. I was given a reference number : XXXX. After about 10 days, I contacted them again on XX/XX/XXXX asking for an update. I was told that I needed to liquidate all investment funds in the first XXXX and close my XXXX account, as I could only be enrolled in XXXX investment account. The reference number was XXXX. I asked for clarification on what a XXXX account was and received no explanation, only a contradictory statement saying that " As long as there are available funds to invest to then you can invest your XXXX funds to them. '' The reference for this statement is XXXX. 

Despite the lack of clarity in these instructions, I liquidated all investments in my old account, moving them back to the savings portion of the XXXX. This did not resolve the issue and on XX/XX/XXXX, I asked again for their help in determining why. They told me to wait XXXX business days. Reference XXXX. 

On XX/XX/XXXX, I requested an update and was told to wait XXXX business days. XXXX. 

On XX/XX/XXXX, I called the assistance number provided in the emails, and when I spoke with a representative and explained the situation again, they stated that the problem was on their end but provided no additional information. When I requested a status update on the previous reference numbers, they stated that there was no report of/about those reference numbers. Based on that information, I am not confident that anyone will work on resolving this without outside pressure.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the negligent noncompliance of [ Equifax/XXXX XXXX with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, which addresses civil liability for negligent failure to comply with the requirements of the Act.
Product: Payday loan

I had a loan with Omni while I was XXXX at XXXX back in XX/XX/2010. When I went into the office to let them know that my allotment was accidently deleted, and that when I started it back up, it may or may not post by the due date. Once I realized the payment never came out, I went into the office to make the payment. They told me it wouldnt be an issue. I later realized they dinged me with a 30 day late payment, and I have been fighting them ever since to remove the 30 day late remark. I made every payment on time with no issue, and it has been 7 years since that account was paid in full. I have tried numerous of times to get this account resolved, with no help from the company.
Product: Credit reporting or other personal consumer reports

These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date open:XXXX 5.XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter.

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


7. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Delete from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


10. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On about XX/XX/2020 I used my credit card as defined under 15 USC 1602 ( a ) ( i ) to extend myself credit through TRIDENT MORTGAGE COMPANY LP, for total of {$120000.00}. They unlawfully discriminated against me and violated Federal law 15 USC 1602 ( a ) ( p ) they used my credit card with no lawful or apparent authority, and I the cardholder and consumer did receive any benefit from the transaction. They denied me by way of an adverse action letter, as they attempted to explain why I was denied. As the applicant and consumer I in good faith exercised my right to extend credit and as a creditor and Trident denied me for the mortgage no certain reason. They knowingly without lawful authority used my means of identification as defined under 18 USC 1028 ( d ) ( 7 ) to commit fraud, discrimination, and aggravated identity theft. Per the Equal Credit Opportunity Act, its unlawful for any creditor to discriminate against an applicant with regards to ANY credit transaction. This in fact was a Consumer Credit Transaction and I was discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is tarnishing my consumer report by, displaying inaccurate information XXXX account number XXXX. This is information is false and is interfering with me receiving a loan.
Product: Debt collection

After pulling my report I noticed a collection account owed by XXXX XXXX XXXX showing that I owed a former community {$1400.00}. I contacted the company and asked for a detailed ledger with explanations. The ledger showed that I paid my last month 's rent and final utilities. It also showed the {$1400.00} as a reletting fee. When I asked what a reletting fee and to prove that I owed this, they could not. So, I personally went to XXXX XXXX and requested a ledger and explanation from them. They gave me a printout showing that I had a {$0.00} balance and that they had no idea what the {$1400.00} charge was. ( ledger attached ) So, I filed a dispute with the credit bureaus. Suddenly I received an email from the National Recovery Agency telling me that XXXX XXXX XXXX sold my account, but all I owe is {$51.00} now, and the rest of the debt was paid off. I know that the credit bureaus did not research, because they would have seen that my account was sold. XXXX opened a dispute and settled and closed it the next day. I am attaching the ledger from XXXX XXXX showing a {$0.00} and contact information, because obviously the bureaus are not researching. Please contact XXXX XXXX. They will tell you that I owe nothing. ( XXXX ) XXXX
Product: Vehicle loan or lease

I have made concessions to pay this bill but the option isn't available. I have try to make payments from the acct. The account been charged an extra {$270.00}. I never spoke to anyone on XX/XX/XXXX on after that point. I'm trying to pay the bill. I have never heard of a company that doesn't want the payment. Thanks
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>2023 and XX/XX/year>2023. I'm now requesting you investigate this account and update this account to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The following inquiries were done without my written authorization or consent : XXXX XXXX XXXX XXXX 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 discovered that the same accounts on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be reinvestigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$8900.00} from XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. 
no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433.

The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. My personal information was used with out my consent several times to open accounts under my name. These accounts are reporting fraudulently on my Experian Report # XXXX. 
I filed a police report on XX/XX/XXXX with the XXXX XXXX XXXX Report # XXXX reporting the first incident of identity theft on my report. I have also filed an FTC identity theft report # XXXX. 
The fraudulent accounts are listed below : Company : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$4900.00} Company : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$14000.00} Company : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$2300.00} Company : XXXX  XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$2900.00} This is a violation of my rights under the FCRA 605B ( 15 U.S.C. 1681c-2 ) I have attached additional items such a police report and identity theft report to this complaint as well as other verification documents to confirm my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX