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

This is XXXX XXXX XXXX an I am submitting my eleventh CFPB complaint in an attempt to notify the Credit reporting Agencies that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. This account 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.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Product: Credit reporting or other personal consumer reports

I have never leased or loaned a Nissan yet it is on my credit. 
I've never cosigned either.
Product: Credit card or prepaid card

In XX/XX/XXXX I booked a trip to XXXX using my American Express Platinum card. I was supposed to leave for XXXX on XX/XX/XXXX. On XX/XX/XXXX travel restrictions were announced to combat COVID-19. Between the announcement of the restrictions and my travel time I made at least 8 calls to American Express to cancel or change my flights. Five of the calls I waited an hour on hold and then was hung up on. Three of the calls a computer said I could enter my phone number and they would call back. I tried to change my flights through XXXX XXXX. XXXX said I had to contact the company where I booked the flight. The time for my outbound flight came and went with no answer from American Express. Between XX/XX/XXXX and XX/XX/XXXX I called 10 more times. Same result, either put on hold for an hour only to be hung up on or told to enter my number and I would receive a call back with no call back. Finally on XX/XX/XXXX someone called back!! I was told that because I didn't cancel or change my trip prior to my flight there was nothing they could do. I explained that I was unable to get through to Amex and XXXX wouldn't let me change it. They said they would open a case to look into it and get back to me within 72 hours. I received an email with an open case number. I received a generic email stating the change/cancelation policy which was useless. My return flight from XXXX is tomorrow. I still don't know if it's cancelled or if I can change it. I don't know the status of my original flight either. I've called Amex a bunch more times. I've been hung up on multiple times ( not by people but by phone trees ). Seems if a company is going to charge a premium for a Platinum card to have better customer service they should at least answer their phones. PS - I also tried Amex 's customer service chat feature. I was told that chat people could not help with on line travel bookings.
Product: Debt collection

I have tried to dispute this collection service and to my understanding of the Fair Credit Reporting Act 15 USC 6802,1611,1692 ( 2 ) a, and 1681.Please understand this my rights to an Fair and Accurate validation of my personal credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not release my credit report to me. States there was an " issue '' and to try again later. I continue to get this error over and over when trying to obtain my free annual report. The correct information was provided as it was the same information accepted by XXXX, etc. without an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Capital One account ending in XXXX was included in a US Bankruptcy XXXX XXXX case # XXXX, 100 % pay plan, renegotiate interest on this account only. 
This automotive finance agreement contract dollar amount was renegotiated with Capital One and was agreed to by all parties including Capital One ( see attached ). 
See attached document from the US Bankruptcy Court stating that all Debtors ( including Capital One ) have completed all payments due under their XXXX  XXXX plan, marked completed and closed by courts. 
See attached document Capital One US court accounting paid as agreed, {$9100.00} See attached letter from Capital One glossing over the fact they had a new contract with the US Courts voiding the old contract they sent with my previous compliant with the CFPB. 
See attached Capital One released financed Vehicle title XX/XX/2021 as a signal to completing the new financial agreement with the US bankruptcy courts not the old Capital One contract, that Cap One keeps referring to as the current agreement. 
Capital One continues to report this account to XXXX, XXXX and XXXX as an open account with a balance. 
This account has been 100 % paid ( CLOSED & COMPLETED/NOT TERMINATED ) as agreed with Capital One, the US Courts say so. I believe Capital One thinks I owe them a balance and keeps showing the original contract however Capital One is carful to say in there letter this not an attempt to collect and yet they are reporting to all three credit bureaus as an open account with a balance dragging my credit down and causing financial harm to me by reporting inaccurate and incomplete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed any documents for the companys to view my credit history. nor signed for a 3rd party debate collector to view my credit -LVNV XXXX
Product: Mortgage

I drop a broad at work and call in to say I mite miss a payment.. That sat. I open my mail and there was a foreclose letter and a mortgage to? this is us bank they have took my credit and made it so I ca n't get a loan or reference my house which I been in for five years or more.I have never miss a payment till now they will not take a payment at all even the full amount.
Product: Credit reporting or other personal consumer reports

Dear Equifax I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. This account is clearly still not Metro 2 compliant. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Equifax used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX FIX ERRORS OR REMOVE FROM REPORT Two-Year Payment History ( XXXX ) ( XXXX ) DIFFERENT REPORTINGS FOR PAYMENT HISTORY. HOW ARE THERE XXXX DIFFERENT PAYMENT HISTORYS REPORTING? 
XXXX : HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS XXXX : NONE REPORTING FOR XXXX Equifax : HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS. 
IF LAST PAYMENT IS XX/XX/XXXX, HOW IS IT A XXXX DATE LATE ON XX/XX/XXXX Last Verified : NO DATE REPORTING. HOW IS NO DATE REPORTING FOR LAST VERIFIED, BUT EQUIFAX SAID THEY VERIFIED? 
XXXX : No Date Reporting XXXX : XX/XX/XXXX Equifax : No Date Reporting Date of Last Activity ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Reported ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Opened ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATE OPENED. HOW ARE THERE XXXX DIFFERENT DATES REPORTING FOR ACCOUNT OPEN DATE? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT THERES NO CLOSED DATE ON A CLOSED ACCOUNT? 
XXXX : No Closed Date Reporting XXXX : XX/XX/XXXX Equifax : No Closed Date Reporting Last Payment ( XXXX ) DIFFERENT LAST PAYMENTS. HOW ARE THERE XXXX DIFFERENT LAST PAYMENTS REPORTING? 
IF LAST PAYMENT IS XX/XX/XXXX, HOW IS IT A XXXX DATE LATE ON XX/XX/XXXX? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account.

Verification documents from the furnisher of the disputed information.

If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report. It this has been well over 30 days and I have not received and investigative results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$6300.00} XXXX XXXX   XXXX {$1000.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Under FCRA and 15 USC Dear XXXX, This letter serves as an official and legally binding demand for the immediate deletion of inaccurate, unverifiable, and/or incomplete information reported on my credit file. Your agencys failure to adhere to federal laws, including the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, constitutes a blatant violation of my rights as a consumer. I demand immediate compliance, as the presence of the disputed items is causing significant harm to my credit profile and financial standing. 
Items in Dispute : XXXX. XXXX XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX Legal Basis for My Dispute 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of the above-mentioned inaccurate items demonstrates a clear violation of this statutory requirement.

2. 15 U.S.C. 1681i : Upon receiving a dispute, agencies must conduct a reasonable and timely reinvestigation to verify the accuracy of the information. If the data can not be verified, it must be deleted within 30 days.

3. 15 U.S.C. 1681c : Prohibits the inclusion of outdated information, such as accounts beyond the permissible reporting period. If these items fall into this category, they must be deleted immediately.

4. 15 U.S.C. 1681s-2 ( b ) : Obligates data furnishers to promptly correct or delete inaccurate, incomplete, or unverifiable information once notified of a dispute.

5. 15 U.S.C. 1692e ( FDCPA ) : Prohibits the use of false, deceptive, or misleading representations in connection with debt collection. Any inaccurate reporting tied to debt collection activities is a direct violation of this law.

My Demands 1. Immediate Removal : Delete the inaccurate, incomplete, or unverifiable items listed above from my credit report.

2. Verification Details : Provide the name, address, and contact information of the entities that verified the disputed items, along with any documentation used during verification. 
XXXX. Updated Report : Provide me with a corrected and updated copy of my credit report. 
XXXX. Cease and Desist : Stop reporting the disputed items to third parties during the reinvestigation process, as required by law.

Notice of Legal Action Failure to address this matter within the 30-day timeframe prescribed by law will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my state Attorney General 's office. 
Pursuing legal remedies for damages incurred due to your agencys noncompliance, including but not limited to violations of the FCRA, FDCPA, and U.S. Code Title 15.

I expect full compliance with these demands and a written confirmation of the resolution of this matter. You are hereby on notice that I will aggressively protect my rights under the law. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Does n't want to help me adding land taxing or land inspection to mortgage on ever paper every month I need help low it or get it back to something that is not add on but they are adding land in section on my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting XXXX late XX/XX/2021 for XXXX XXXX XXXX XXXX This is incorrect.
Product: Credit reporting or other personal consumer reports

I recently discovered discrepancies in my credit history related to the reporting of late payments, and I believe these inaccuracies stem from undelivered monthly statements. 
Upon a thorough review of my credit report, it has come to my attention that late payments have been reported, affecting my credit score and financial standing. After careful investigation, it appears that these late payments resulted from undelivered monthly statements.

I want to draw your attention to the provisions of 15 USC 1666b under the Truth in Lending Act, which mandate that creditors ensure periodic statements are mailed or delivered to consumers at least 21 days before the payment due date. In my case, it seems that I did not receive these statements within the specified timeframe, leading to inaccurate late payment reporting to your agency.
Product: Student loan

On XX/XX/2020 the Federal government passed the CARES Act which states that all Federal Student Loans were to have interest rate set to 0 % for at least sixty ( 60 ) days. American Education Services ( AES ) has failed to change the interest rate on all of my Federal Student loans from the 6.8 % prior to the Act down to 0 %. Attempts to contact the company via phone, their website, or their social media pages have been futile as the company doesn't respond back on this issue. They only state that they are " waiting for guidance from the federal government '' about the rates with no other feedback -- and that was four ( 4 ) weeks ago. They will respond about ALL other issues but this one. My Federal Student Loans have still been accumulating interest at 6.8 % with AES since the CARES Act was passed while my wife 's student loans, held by FedLoan, have been showing as 0 % since that same time period. All of my student loans are Federal Stafford Loans and not commercial loans. I have also never consolidated my loans since taking them out during school.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX XXXX For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on Equifax that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the Equifax report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.
Product: Credit card or prepaid card

All transactions occurred XXXX XXXX XXXX. Accounts were opened with Comenity Bank at XXXX, Victoria 's Secret, XXXX and XXXX. Amounts were XXXX XXXX, Victoria 's Secret XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXXV Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number XXXX 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 an account without my written instructions.

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 an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2019, I was notified that the dispute was closed and declined even when the transactions were fraud once again. Letter Attached. I was notified when I called back on XX/XX/2019 that the case was closed and the issue was not resolved within the 10 business days as stated per the communication with the company and the information which was submitted and the cardholders terms and conditions of fraud. I am being held liable for the fraud. which the communication of the American Serve Card is  Deceptive with marketing practices and state law in Nevada. After going through my statement this is why Ms. XXXX states the charges were more than the {$910.00} after locating the first date of the charges {$1400.00} correct amount and submitting the correct paper work the first time when asked by the dispute department declaration of fraud form on XX/XX/2019 - XX/XX/2019 with closed card account number XXXX. The company stated to reopen the claim and resend the information, I also asked was the delay or the claim closed because of the new card and was told no and the employee XXXX told me the general statement that the claim was denied and when I asked her to review the account information once more and preview the same claim information with the credits she said she could notice how the claim remained of the claims were denied when the start of the claims were approved without error no addition notes, accept the claim was valid for fraud for {$35.00} from the same merchant out of {$1400.00}. The company purposefully cherry picked the claims to approve even though I sent evidence showing these charges were not mine and I did not authorize the charges {$1300.00} remaining. XX/XX/2019 XXXX. The scam merchant sent me an email asking for a copy of my credit card. I did not send it. On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX /XXXX XXXX   with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX. I am also a vidicm of identity theft as well from XXXX and XXXX data breaches and some other company.
Product: Debt collection

Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/Capital One Credit Car debt. It is being reported as settled. This company has not provided for me validation of the debt.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit profile I had seen quite a few inquiries that did not belong to me.