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

I paid collection agency True Accord who had my AFFIRM ACCOUNT in full. It has not been corrected on my credit report under AFFIRM. I have disputed this twice and AFFIRM will not correct that balance has been paid in full. They wont reach out to the collection company XXXX XXXX to verify this. I want this account removed from my credit report as they are not following FCRA rules. I have rights. I also have a receipt from XXXX XXXX showing I paid in full to clear this account balance. XXXX is not following FCRA rules either or checking facts with this account which I have disputed twice
Product: Credit card

I have the US Bank XXXX XXXX XXXX. It allows you to select two 5 % categories and one 2 % category. For my 5 % category, I selected " Furniture Store '' and within that category, you can view " Examples. '' I shopped at a store clearly shown as an example with US Bank. I spent {$2800.00} at this store and US Bank awarded me 1 %. I have called their customer support multiple times and was promised a call back but I have not received anything. How many other people are they doing this to and how many times have I shopped at places they say will earn you rewards but they don't pay out. It's very misleading and they are committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA. 
* XXXX.XXXX XXXX is deemed as a collection agency that is also govern by the FDCPA. 
* The children that are connected to this child support case is above age. 
* XXXX.XXXX XXXX violates the FCRA, and FDCPA therefore is deemed unconstitutional. 
XXXX XXXX  XXXX XXXX  is a closed acct not active case.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to formally request the removal of inaccurate late payment entries from my credit report for my closed credit card account, ending in XXXX. This account was closed on XX/XX/XXXX, according to the XXXX XXXX representative I spoke with today. However, the account closure date is being inaccurately reported to the credit bureaus, which is affecting my credit score. 

The discrepancies I have identified are as follows : XXXX is reporting the account closed on XX/XX/XXXX. 
Experian is reporting the account closed on XX/XX/XXXX. 
XXXX is reporting the account closed on XX/XX/XXXX. 

These inconsistencies are negatively impacting my credit report, and under the Fair Credit Reporting Act ( FCRA ), Section 605B, it is illegal to report false or inaccurate information to the credit bureaus. I kindly request that XXXX XXXX XXXX XXXXXXXX correct these errors and remove the reported late payments from my credit history, as they are inaccurate and unfairly damaging my credit score. 

Please provide written confirmation of the corrections made and notify the credit bureaus of these changes. I would appreciate your prompt attention to this matter, as it is crucial for maintaining an accurate credit profile. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

There is always accurate reporting of my Loan balances and Credit Card payment resulting in delayed Credit Score update on Transunion, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank " reviewed '' my credit report ( not by my request ) as a way to increase or decrease my available credit on my Amazon Store Card. This is the third time in less than two years that they have decreased my available credit. Each time they have relied on credit information that is not correct and have not been willing to correct the issue. I have attached the letter from Amazon showing their reasons for this third decrease, and also attached pages from my credit report ( using the same reporting agency that they used ) showing that their information is FALSE!!!! Amazon continues to discriminate against me by continuing to lower my payments to the amount of credit that is outstanding on my account. This makes it look like I have used my card to the limit ( which is what they say I am doing on other cards and the reason they decreased my limit on my Amazon card ) I am using 22 % of my available credit ( which is over {$15000.00} ). The reasons that Amazon provided on a letter lowering my credit report are not FACTUAL, and Synchrony should remedy this IMMEDIATELY. It is because of Synchrony Bank ( that finances Amazon ) that my credit is being denied as they continually lower the limit on my cards making it look as though I am charging to the limit. They are hurting my credit score.
Product: Debt collection

Midland credit management is trying to collect {$3500.00} from me for an account that does not belong to me. They said its for XXXX XXXX XXXX which I currently have and i have always been in good standing with them. I called XXXX XXXX and they told me I have never even been late in a payment and that I do not owe them money. They advised me to call Midland to dispute this. Midland credit management had up to 15 fraudulent account open under my social security number at one point. They remover most of them but left two that definitely do not belong to me. The second one is for the amount of {$1800.00}. I have no idea where this collection came from. This account also does not belong to me. I have put to much into having good credit. Every time I call Midland they do nothing to try to clear up these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed XXXX late payments currently reporting NEGATIVE on all three credit reporting agencies. I initially reached out to the credit reporting agencies and asked them to remove the late payments or update them as paid as agreed but the did not do this. They stated they would update the account so that it would not show any negati8ve information but it still shows SEVERAL months later. I reached out the XXXX and they stated that my loans have been in good standing since they transferred over in XXXX. I also reached out to the prior servicer of my loans which was XXXX XXXX XXXX and they to stated that my loans are on a XXXX status. Since my loans have been in XXXX status they can not have late payments reported to the credit reporting agencies., Per the Family and Educational act of 1974 I have a right to privacy of my student records.
Product: Credit reporting, credit repair services, 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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed 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 of : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject Request to remove unauthorized credit inquiry Inquiry made by : Inquiry made on To whom it may concern, I am writing to dispute the following information in my file. I received a copy of my credit report. And I noticed there is an unauthorized credit inquiry made by the company listed above. To my knowledge I have not signed any documents authorization the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the name, business, address and phone number of those who made unauthorized credit inquiries. So I may contact them directly in addition, I respectfully reuest a copy of and documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documents that you have had the unauthorized inquiry remove. If you find that I am in error, then please send me proof of this Finally, I am requesting an update copy of my credit report which should be sent to the address listed above according the the provisions of 612 ( 15 USC 1681j ) there should be no change for this report. 
Your immediate attention to this matter is appreciated Sincerely, XXXX XXXX Enclosed are the following two documents that verify my identity ID/DRIVER LICENCE SOCIAL SECURITY CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, XXXX and XXXX of 2019 Transunion allowed XXXX funding to place a collections account on my credit report. XXXX did not allow the oppurtunity to dispute the account before reporting it. I have submitted online disputes via transunion to have this account removed and Transunion has allowed the account information to be parrotted via XXXX I requested verification and substantiation from XXXX each month and the company did not properly address my dispute request. I called transunion to submit a dispute about XXXX informing them that the company has not validated or substantiated this account per my request. I asked TransUnion to verify how they validated this debt and they could not tell me .Transunion and XXXXXXXX have both broken the law and need to have this alleged account deleted from my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX Gm financial Lease I signed for 48 mos {$440.00} a month I was told they needed {$2500.00} down I traded in a car rebates ate my negative equity. Dealer tried numerous sales tactics, they also lied and told me score was lower, I put {$3500.00} on vehicle new vehicle had {$6500.00} in rebates and it was a demo so I intotal put $ XXXX down. Vehicle had numerous issues and vehicle was damaged before purchase and never disclosed! Dealer never informed me once informed the flagged me with Gm finanacial and refused to trade me out of the vehicle. They forced me to keep vehicle and blackmailed me. I was forced to pay almost XXXX for a car stickerd at XXXX. The paint peeled from their XXXX repair and the dealer and service manager purposely scheduled appts inconviently. Once I called Gm customer care to report their inappropriate behavior. They flipped the script to make me look wrong with Gm custom. Numerous attempts to repair exterior finish eluded to a vehicle that looked like it was 4 years old when its only 1 year. DEALER PURPOSLY DAMAGED MY BRAKES AFTER EVERY REPAIR. On the way home from first repair car sounded like brakes were applied without depressing pedal. The advisor informed me it may be a Rock caught in the pad and rotor? I dont drive on dirt roads or jungles! Rock was from parking lot of dealer. Numerous pads and rotors replaced in a course of 1 year. When consumer attempts to trade vehicle in credit score XXXX plus. Dealership had me drive 70 miles 1 way to come in to inform me I needed to pay {$1800.00} down to trade in for another demo with XXXX miles. Not the color or features I wanted. They stiff armed me into a vehicle lease on XX/XX/2016 on XX/XX/2016 when vehicle went to be repaired I was railroaded into resigning lease agreement only never presented with buyers order or informed what payments would be prior to signing! I paid my down payment after I signed my paperwork! They forced me to pay card on theXX/XX/XXXX but I never received paperwork! I then had to bring {$1.00} cash by XXXX XXXX to close deal and then Id get my paperwork! Never received proper paperwork! Keys missing and all! Dealer beyond disrespectful! Service manager full of balogna to be nice and descreet on voicemails but then change his Story in person. They all worked together to XXXX over a hard working individual. I tried purchasing my lease through the dealer they wouldnt let me do it. There was always a problem. The dealer wasnt helping they never offered to swap me out of s vehicle without me putting anything out of my pocket! They also inflated the payemnt so high it was ridiculous. I tried purchasing a truck theyre woukdnt let me trade. I make the money and I have the credit they Just did things out of. They reported I was late paying and I never was late! Id like all derogatory remarks removed
Product: Credit card

The following is a recap of what happened in chronological order : XXXX XXXX XXXX XXXX  I made a reservation through XXXX XXXX XXXX to stay at the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX XX/XX/year> to XX/XX/year>. I was charged {$75.00} XXXX XXXX  that day for the reservation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for our stay and {$76.00} incidental charges ). 

This is a double charge for the same stay. I made a claim with Citibank, providing them the proof I was double charged. Citibank will not credit one of the charges even though they're both on the same credit card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I sent a letter to XXXX, XXXX and Transunion regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Product: Debt collection

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to XXXX that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX institutions. 

# # Demand for Immediate Account Deletion TransUnion has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that Equifax and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # Investigation of Fraudulent Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : 1. The failure of these financial institutions to issue required 1099-C forms for allegedly canceled debts.

2. The continued reporting of these accounts despite the lack of proper documentation.

3. The sudden deletion of these accounts when pressed for 1099-C records.

# # Demands for Immediate Action 1. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. 
XXXX. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. 
XXXX. Initiate an investigation into the reporting practices of XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX and other involved institutions. 
4. Provide written confirmation of these actions within 10 business days.

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX 's actions, may constitute : 1. Negligent or willful noncompliance with the FCRA 2. Complicity in the financial institutions ' fraudulent practices 3. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) 2. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees 3. Seeking punitive damages for willful noncompliance The deletion of these accounts by XXXX confirms the validity of my claims. Your immediate action is not just expected, but required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting a 30 day late to all credit bureaus for my XX/XX/XXXX payment. My XX/XX/XXXX payment was XXXX on XX/XX/XXXX and paid on XX/XX/XXXX. While this was late and I incurred a fee, it was 29 days late not over 30 days late.
Product: Credit card or prepaid card

During 2019, I froze my Discover Card Account. I was told that no charges would be made on my account. A charge still went through for {$150.00}. The original company falsely refunded a portion of the amount but not the entire amount. 

I tried to dispute the bill. Discover did nothing. The bill should have never happened on my frozen account.
Product: Checking or savings account

I was a victim of a scam and fraud. The suspect took out a loan in my name worth $ XXXX. Then proceeded to make fraudulent transactions ( XXXX ) {$1000.00} charges, ( XXXX ) {$900.00} charges, and a {$560.00} withdrawal using a cloned debit card. When I discovered the transactions, I called USAA bank to notify them. They immediately returned my money. I used it to pay the loan off and I recouped what was in my account at the time. However, 20 days later, USAA comes back and states there was no fraud and that it was authorized and took their money back leaving me with $ XXXX work of debt to them. I requested an explanation to no avail. The paperwork they sent me didn't explain anything. Just said no further action would be taken. I had filed a police report and even they agree the charges are fraudulent and are still currently investigating, trying to find the suspect or suspects. How was USAA able to come up with this decision? Why was my account not flagged when this happened? They've called me asking if I used my card at a gas station too many times but nothing on this.
Product: Money transfer, virtual currency, or money service

Complaint Thursday XX/XX/year> ; A Credit was issued and sent to XXXX XXXX the private trust for the amount of XXXX. XXXX XXXX XXXX XXXX is the payer and consumer who has sent funds to recipient XXXX XXXX the private trust for stocks own in an individual plan. Payment was receive from XXXX billing and paid out from company clearinghouse account in Availity to sort out remittance advice. The product/items was corporate actions. XXXX XXXX the private trust owns XXXX stocks out of XXXX XXXX XXXX XXXX XXXX. The price of each quantity is XXXX cents. XXXX XXXX the private trust is entitled to receive XXXX each month for stocks that are in XXXX XXXX XXXX XXXX ; Company holdings XXXX billing sent funds to paypal clearing account. XXXX XXXX the private trust is paypal merchant and paypal has never made transactions visible on paypal or credited card account. 

Paypal has temporarily block my company account and has suspend merchant services. My company XXXX XXXX the private trust has not receive funds and is unable to confirm card. Paypal is requiring {$1.00} to be on the card to verify card. My company XXXX XXXX the private trust is disputing event and is requesting a refund. 

My company XXXX XXXX the private trust uses its on Chargeback management to process claims and refunds. Were expecting for PayPal to authorize refund and credit card account.
Product: Credit card or prepaid card

USAA Credit Card and Debit missing information Reported USAA check from XXXX XXXX on hold for XXXX XXXX  Fraudulent documentation Fraudulent representation Scam Missing statements XX/XX/XXXX-Current Checking-Credit card is missing statements. 

Account closure notification No vehicle ownership/discontinued ALL insurance policies end of XXXX first of XXXX. Impersonating representatives. 

Denied Auto Claim XX/XX/XXXX ACH debit from preXXXX debit card NSF FEE errors Old numbers surfaced from inactive cards Accounts in use XX/XX/XXXX. XXXX ceased but not closed mid XX/XX/XXXX. Fraudulent Representatives wouldnt close them. 

Account closed notification ; no access to information online Stolen cards from XXXX XXXX accounts XXXX External inquiry for use of this account XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX