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

Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( XXXX, XXXX & Transunion ) about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information
Product: Debt collection

XXXX XXXX apartment complex sent me to collections for move out charges. They explained to me that I did not pay a deposit so they couldn't offset the charges incurred at move out. I sent them the part of the contract that we entered into showing that I paid a {$270.00} deposit. Further, they charged me for various things such as a broken microwave and pet carpet cleaning fees. I asked them for proof and supporting documentation for all of the charges several times to no avail. The microwave was not broken and the carpet was clean when I left, however, upon move out I was denied a final walk through and was told to leave my keys in the apartment due to coronavirus. Anything could have happened to the apartment from the time I left the keys in the unlocked apartment ( as instructed by XXXX XXXX employees ) to the time they procured the keys. I never received notification that the keys were in their possession.
Product: Debt collection

THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccurate Late Payment Reporting Pursuant to XXXX XXXX XXXX ( b ) Dear XXXX Customer Service, I am writing to formally dispute an inaccurate late payment reporting on my credit report. According to XXXX XXXX. XXXXXXXX XXXX XXXX  ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information they report. The late payment entry associated with my account is incorrect, and I request its immediate investigation and removal to ensure compliance with federal law. 
The inaccurate reporting details are as follows : Creditor Name : XXXX XXXX XXXX Account Number ( if available ) : XXXX Reported Late Payment Date : XX/XX/XXXX, XXXXXX/XX/XXXX This incorrect reporting is causing unjust harm to my credit profile, and I demand a prompt investigation into this matter. Please verify the accuracy of this information with the creditor and provide me with documentation supporting the validity of this late payment. If you are unable to obtain verifiable proof of its accuracy, the information must be removed from my credit report immediately. 
To assist with your investigation, I have enclosed : A copy of my credit report highlighting the disputed item A copy of my identification for verification purposes Please correct this inaccurate reporting as required by law and provide written confirmation of the results of your investigation within the time frame outlined in the FCRA. Should you fail to comply, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 
I look forward to your prompt response and resolution of this matter. You may contact me at the information above should you require further information. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am disputing inaccuracies in the reporting of my account ending in XXXX. The account contains the following discrepancies : Inconsistent Reporting of Dates : Last activity and closed dates differ across XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
Balance Reporting : The account is marked as closed and charged off, yet a balance of {$1900.00} is still being reported inaccurately. 
Account Type and Payment Details : The account type and payment details are inconsistent across the bureaus. 
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 1681s-2, which requires creditors to furnish accurate and complete data. I request that the account be reviewed, verified, and updated to reflect consistent and accurate information.

Please provide a response within the 30-day investigation period as required by the FCRA.
Product: Credit card

Capital One has not shut down my card after I called and let them know there was something going on with charges. That was at XXXX and then they said they would investigate while I paid XXXX a month to keep our credit repaired. Then, I stopped that about two months ago and said no. I kept asking when the investigation was done and they did absolutely nothing to stop it. My kids had a lunch program circulating on the card which I do owe for, but after this long, I do n't know what is what at this point. But, the agent at Capital One a gentlemen I have his name, said, " Yes, I see where you asked to report fraud ''. This company needs investigating, just go and look online it 's multiple clients having similar problems. I also went through in the beginning transactions with an agent to determine what was going on. I 'm a XXXX, not an XXXX. They need to take responsibility. The card is up to XXXX and even with repeatedly paying they just kept raising the amount because of over limit. What a raquet. I will be writing XXXX Trump to see if there is something that can be done by the white house and credit card railroading companies. This is not fair. They actually owe me money as agreed upon because there was no investigation from the first time I called them and the card was allowed to keep on going after several attempts to stop it.
Product: Checking or savings account

My direct deposit is missing. This is causing me a great deal of inconvenience. I always receive my paycheck on Wednesday afternoons by XXXX like XXXX. I did not get paid on Wednesday. I waited all day Thursday and even went to my employer thinking they made a mistake. I had no idea what was going on and I only found out about the outage through XXXX. At XXXX XXXX  I received an email from Capital One stating that they were experiencing technical issues, and that everything would be restored Friday morning. Why are you not letting your customers know about outages that affect their livelihood the moment it happens??? 
I waited until Friday morning to see if my deposit would show up and NOTHING. It is currently XXXX on Friday and still nothing. Mind you, I was supposed to be paid on Wednesday. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX. I have several automatic payments that come out of that account and I am depending on that money to pay my bills INCLUDING MY RENT. This is absolutely absurd. Regardless of what the issue is, this is an FDIC insured company and monies that are allocated to my account should be there REGARDLESS of what an outside vendor is experiencing and at minimum their customers should be notified. To wait until over XXXX hours to send out notification to us is plain disappointing and disrespectful. Its now XXXX and Im on hold with them and the anticipated wait time is over XXXX minutes. XXXX XXXX and XXXX real life minutes. Given the holiday on Monday, there likely may not even be a solution until the middle of next week. If I knew about this in advance when they were first experiencing issues, I may have been able to reallocate my funds in time. I am absolutely disgusted.
Product: Credit reporting or other personal consumer reports

Its been more than 8 years XXXX is still on my report despite the fact that I asked for a deletion XXXXXXXX XXXX has been paid of and I asked for a deletion as well I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX TransUnion and XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

XXXX This account continues to appear on my Equifax/XXXX XXXX report. I have made attempts by phone and on-line, but they have yet to correct the above account for XXXX XXXX XXXX. The item was paid in full and should not have been reported by XXXX XXXX XXXX 's office to the credit bureau. Attempts to accesss my credit file are useless. Attempted to speak to a representative, today ( XX/XX/XXXX ), but, was placed on hold for more than 15 minutes when I finall disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of a
ny debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting or other personal consumer reports

I know my rights i have sent the disputes XXXX time but the equifax is doing violation. 
These should be removed immediatly otherwise i may take extreme steps : These are the inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ChexSystems. 

Please see attached. 

Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. 

Excuse after excuse. 

I need access to my online account. 

Fix all these errors so I can. 

This is unacceptable as its my right to have access to my own file.
Product: Debt collection

I submitted a dispute for this company. I do not have a signed contract agreement with this company. I requested a copy of an original contract per section XXXX that displays the date this account was opened. This company fraudulently gave an open date of XX/XX/XXXX and a collection date of XX/XX/XXXX. I have not any radiology work done in XXXX or XXXX. An investigation was not done, and I have disputed this company more than once. XXXX received a return receipt dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a notice this company was verified but no orignal contract with my signature was presented. i deserve the right for my credit report to contain accuate information. This company is fraudulently giving dates and term agreements.
Product: Mortgage

I am currently 3 months behind on my payment, almost XXXX. Several weeks ago maybe XXXX we attempted to make a partial payment that was refunded unaccepted. We then applied for a modification which was denied. I have now been told that on Saturday XXXX XXXX a demand letter will require the full amount, XXXX approximately. I attempted to establish a payment plan for XXXX today and XXXX on the XXXX but was told that i must make a payment of XXXX by Saturday to avoid the demand letter and starting foreclosure. I am in this position due to a loss of income and can not financially afford the lumpsum of XXXX or the XXXX at one time. I want to keep the home, i have a VA loan and want to avoid foreclosure completely, nationstar is simply refusing to work with me i feel.
Product: Debt collection

The company called my wife and XXXX daughters Phone several time after I spoke with them and asked to verify the debt in writing this has been going on for 6 mo
Product: Debt collection

XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to XXXX XXXX. XXXX XXXX accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a XXXX day period in which XXXX XXXX agreed. I called XXXX XXXX, XXXX back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from RPM ( Receivables Performance Management collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, XXXX XXXX, XXXX. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below by companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notified XXXX, XXXX, and XXXX that a reinvestigation is needed for these accounts. XXXX XXXX, PNC, XXXX, XXXX. 
15 USC 1681 604 A section and 15 USC 1681 section 602 A. 15 USC 1681 C. 15 USC 1680 I Charge off account reporting balance and payment. Reporting balance and Repossession. Illegal activity. XXXX reported late payments when account was under deferred status by Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX L XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX MA XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX DEPARTMENT OF EDU XXXX XXXX XXXX {$200.00} XXXXL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXL XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Checking or savings account

I have been trying to get access to my savings account to close it, since I need my money now for some medical bills. Since I could n't get access online I called the customer service number with absolutely no results. It looks to me like the bank is trying to keep me from getting acces to my money ; and I may need some help from the FDIC to close my account and get me my money. If that fails, I may have to try some  other method of recuping my funds ; and that would only benefit the attornies involved.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Against XXXX, Equifax XXXX XXXX with CFPB and Identity Theft Report** To Whom It May Concern, I am submitting a formal complaint against XXXX through the Consumer Financial Protection Bureau XXXX CFPB ). Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ) to address issues surrounding my credit report and unauthorized disclosures of personal information. 

XXXX XXXX : ** - **Account Number : ** XXXX - Over the years, I have made numerous attempts to correct inaccuracies on my credit report. This includes submitting updated information via letters dated XX/XX/XXXX, and XX/XX/XXXX, as well as making multiple phone calls to XXXX to ensure my information is current and accurate. 
- Despite these efforts, my credit report continues to show incorrect details, including an address I have not lived at for years. 

**Identity Theft Report Filed : ** I have completed an identity theft report with the Federal Trade Commission XXXX FTC ) to address potential unauthorized activities associated with my personal information. 

**Specific Concerns : ** XXXX. **Disclosures Without Permission : ** I have spoken with my lenders, including XXXX XXXX, advising them that they did not have my permission to disclose late payment information, as this is not public knowledge. These disclosures are in direct violation of 15 U.S.C. 6802, which requires my consent before sharing non-public personal information. 
XXXX. XXXX XXXX XXXX : ** I have contacted the Department of Education requesting the removal of my student loans from my credit report, as this information is severely damaging to my financial stability. 

**Impact on My Life : ** I am a mother of XXXX, and the inaccurate and damaging information on my credit report has caused significant hardship : - I have been declined rental opportunities for apartments near my childrens school due to my credit history and debt-to-income ratio. 
- As a result, I currently drive four hours daily to get my children to and from school, which has caused me physical and mental strain, including XXXX. 
- My poor credit report has led to multiple credit denials, further limiting my ability to provide for my family. 

**Request for Resolution : ** I am seeking immediate assistance to correct my credit report, remove inaccurate information, and address the violations of federal laws related to the handling and disclosure of my personal and financial information. The continued inaccuracies and unauthorized disclosures are significantly impacting my life and wellbeing. 

Please assist me in resolving this matter promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I got several calls, all times of the day, weekends etc. For a person who is not me. 
Repeated attempts to let Wells Fargo know I am not that person, but there are still multiple people calling me from Wells Fargo. I dont know how to get them to stop calling, I am not XXXX XXXX.
Product: Credit card or prepaid card

While in XXXX on vacation and my card was fraudulently charged XXXX on XX/XX/2022. I did not catch the charge on the first bill, but when I did see the fraud, I called US Bank immediately to report it. US bank put a temporary credit on my account, but for some reason removed the credit and are now trying to make me responsible for the fraudulent charge. XXXX things I have a problem with. Number 1, US Bank isn't working with me to resolve the fraud and Number 2, I cant believe US Bank wouldn't flag a charge in this amount in a foreign country. US Bank is not working with me and they continue to harass me for the payment, but will not research the fraud charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX 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