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

XXXX XXXX XXXX. 



To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection accounts is not only listed as being owned by me, but also as having a PAST DUE BALANCE of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a violation of the FCRA and is in violation of requisite METRO Compliant reporting standards.

According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here is my tracking number XXXX. 
To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to the 15 USC 6802. No financial institution is not suppose to share my information to third to third party people. 


These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  account starting with 656000 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Trying too retrieve debt from me that was already closed in collections and it is not mine nor do I a company I have no contract with, please remove from my credit report ASAP
Product: Credit card

My name is XXXX XXXX and I 'm contacting you for third time, this time with updated information. Wells Fargo/ Dillards card services responded to my complaint. The sent me out a letter which will be attached in this filing. I disagree with them not reopening my account for non-payment when the just got a check from the credit protection for XXXX. When initially before the account was closed they were challenging me saying that they did no offer credit protection on their cards but come to find out they did. The last physically payment I made from my personal funds on this account was in XXXX, because I was informed from the credit protection who Wells Fargo/Dillard 's told me did not exist but in fact it did and they sent the payment just two months after a long battle and dispute with them as well. My account would have been paid on time if Wells Fargo/ Dillard 's would have did there job from when I first brought this issue of who should have been paying the account. They did n't know that my credit card was protect and that negligence on them as a financial business. Also I informed them in late XXXX that there were fraudulent charges made on this account and that was the cause of the account being over the limit and again my complaints/ concerns went unattended and handle properly. I 'm now ready to pursue legal charges against them because this has affected my credit in a negative way. 

I honestly feel that because I had previous personal checking account that was closed by wells fargo that this is why they are refusing to reopen my account. They have a payment that brings the account to paid in full, and the over limit is because of fraudulent transaction that occurred on the account that I was n't able to dispute because of the status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University XXXX violated my rights on XX/XX/2022. 
US DOEXXXX violated my rights on XX/XX/2022. 
Dept of Education/Nelnet violated my rights on XX/XX/2022. 
US Dep of ED violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c The Federal Trade Commission announced today that its years-long investigation into XXXX University continues to benefit consumers, as the U.S. Department of Education will forgive {$71.00} million in federal student loans for students deceived by the for-profit university, based in part on the FTC 's prior action XXXX XX/XX/2022 2022
Product: Credit card or prepaid card

Hello. I have a credit card issued from Chase Bank. On XX/XX/2017 I purchased a service from an auto graphics company, XXXX XXXX XXXX, and paid an initial deposit of {$1300.00} to have my vehicle " wrapped. '' The deposit guaranteed the work to be performed and completed within 60 days. I used my Chase credit card to pay the deposit after the merchant sent me an invoice via email using their XXXX account. After making the payment, I was no longer able to have successful contact with the merchant and no graphics or wrap was installed on my vehicle. I contacted Chase and filed a dispute on or about XX/XX/XXXX which resulted in Chase somehow finding in favor of the merchant without advising any explanation for their reason. I requested Chase re-evaluate the dispute and purchase and they again found in favor of the merchant. I spoke with a Chase supervisor on the phone who advised me that the merchant claimed that they performed the service and that payment was made AFTER the services were performed. I advised them that was not true and that the invoice even notated that the payment was made in advance of the services. The supervisor advised me to have my vehicle inspected by an industry professional to receive a written opinion to inspect my vehicle and determine if my vehicle received the service I paid for. 

I had my vehicle inspected at XXXX XXXX and received written documentation from the business owner verifying that my vehicle was still in factory condition. I sent Chase the documents they requested and they again found in favor of the merchant. I contacted XXXX and advised them of the problem I was having with a merchant using their processor. I was advised that the merchant is not required to show proof that services were performed, they merely need to state that it was or wasn't. XXXX then discontinued communication with me. I then retained an attorney to assist with this matter which still resulted in the same outcome. A Chase employee replied to my attorney with a confusing, and inadequate letter failing to properly explain their reason for favoring the merchant. I attempted to contact I requested telephone calls from Chase, which I have yet to receive, after learning of some inaccurate details in my dispute. As to date, Chase has not provided me with any documents that they received from the merchant or XXXX that led them to their decision. 

I offered to pay the amount of my card that I believe I am responsible for but was advised the amount in dispute would remain on my account. I have paid interest fees and a higher monthly minimum each month because of this charge where I received no services or benefit from. Please assist with this matter. I will attach documents pertaining to this issue and others if necessary. Thanks. -XXXX XXXX
Product: Debt collection

I spoke with USAA last week and told them as soon as my loan mortgage loan closed. I would pay this XXXX CC off in full. This card is mine ands opened several years before I got married. Even though I told them about the pay off they called my husband who has nothing to do with this card .His name is not on the account nor is he a authorized user. My privacy has been violated by USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES DATE WASNT AUTHORIZED BY ME : XXXX XX/XX/2022 CREDCO XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/2022
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which I violate the consumer financial protection act ( CFPA ). Specifically Cash app failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I disputed this account with Convergent Outsourcing and the validation they sent me, was not what I requested, and falls woefully short of the required documentation as required by the law. They have continued to autodial my cellphone despite being asked not to, and they didn't validate the debt properly! Help me please!
Product: Credit card

In the month of XXXX of the year 2015 I had went into the store and tried to use my capital one card. Unfortunately I was n't able to use my master-card. I went and tried to use my capital one visa card, I was unable to use that card either. I looked on my account because if figured something was going on. I went into the capital one bank in XXXX XXXX VA where i had set there for XXXX to XXXX hours trying to figure out whats going on with my capital one accounts. 

The branch manager put me on the phone with capital one and capital one gave me the run around. As a witness to this issue I had the bank manager XXXX out of the XXXX V.A. office helping during the duration of this pertinent issue. 

There have several reports sent to capital one and a investigator was assign to the case I spoke with with someone there on XXXX XXXX at arpoxmently XXXX She again they swticthed me another department as they have done so a month ago. 

Its no resolution being taking into affect by captialone and I would like to resolve this issue and possibly go to a different bank, as I see that capital one is n't reliable on fraud charges.
Product: Credit reporting or other personal consumer reports

I filed a identity theft dispute and submitted the paperwork to the credit reporting agencies. They have not attached these documents to the dispute and have not sent me copies of the verification process. The dispute process is not being followed correctly per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

someone utilized my identifying information and opened a fraudulent account with M & T Bank as well as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and XXXX XXXXXXXX refuses to update or notify the remaining credit bureau that I am not dead. I have called XXXX XXXX and XXXX ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of XXXX XXXX Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to XXXX XXXX gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by XXXX XXXXXXXX as recently as XX/XX/XXXX. So XXXX XXXX again is ruining my credit report with inaccurate information. 

The correct reporting from Capital XXXX should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did XXXX XXXX even let this happen in the first place? 


XXXX : Fix me in your system. I am not deceased. 

Transunion : I have incorrect late payments marked in your system for my XXXX XXXX card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from XXXX XXXX stating these are not late payments and are incorrect. Update these please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander dealt with the co singer of the vehicle involved. He surrendered the vehicle without my knowledge! It has been on my credit for almost 13 years, its supposed to be reported for 7. Now after the investigation, theyre saying it will remain until XX/XX/2020. I want it removed! Hope this time it gets handled correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year 2022 my mortgage company XXXX XXXX offered homeowners who were struggling with the Covid 19 pandemic a forbearance plan for their mortgage payments. Mine was put into that. My mortgage payments are not 9 payments behind they are current and up to date. I am Not behind on any payments. Ive already spoken with them about this issue and they informed me to dispute the claim as this was not supposed to be reported to the credit bureau as any form of missing payments. This has tremendously impacted my credit score. I would like this matter resolved as quickly as possible.I have already disputed the claim but it did not get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called XXXX wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen transunion and XXXX lock my account stating information is not matching XXXX still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the inquires listed below. And the hard inquiries are a result of identity theft and must be removed no later than four business days as per U.S. Code 1681 c-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical Error : The payment was made on time, and I have attached bank statements confirming the payment date. 
Processing Delay : There was a delay in processing the payment on the creditor 's end, which resulted in the payment being marked late. Correspondence with the creditor confirms this. 
Miscommunication : I was informed by the lender that the payment due date had been extended. I have provided evidence of the communication where this extension was acknowledged by the lender. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

in accordance with the fair credit reporting act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX account number : XXXX has violated my rights. 
15 USC section 602 A states i have a right to privacy.

and according to 15 USC 1681 e b they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to insure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complete and correct spelling of my name is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX DateOpened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened:06/01/2017 Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX BalanceOwed : {$1800.00}
Product: Credit reporting or other personal consumer reports

I tried to purchase a vehicle & was denied to learn the reason is because i have damages on my report however i have accounts on my credit report that i did not open or have no knowledge of under the 15 U.S.C 1681 law there shouldnt be any damages to my report thats a deformation of my character. XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX XXXX  account # XXXX United auto credit XXXX. account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # 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
Product: Credit card or prepaid card

I purchased furniture and home items from XXXX in 2020 using promotional Synchrony Bank credit card that was XXXX deferred interest. I was advised to pay a specific amount each month to avoid any interest charge and be sure it was paid off before promotion ended. I called Synchrony to adjust the payment since there was a second charge on the credit card and set up auto pay to ensure that there would not be any late payments. I checked my account on-line because I was not receiving statements in the mail and found that the balance seemed to be increasing. I called Synchrony and they advised me that the second purchase for over {$1300.00} was charged more than {$700.00} in interest as it was on an XXXX promotion, not XXXX and had recently ended. I tried to work it out with Synchrony, made several calls but was not getting anywhere, so I contacted XXXX. The XXXX store representative just sent some invoices by email, one that was not accurate and did not offer any other assistance so I called Synchrony again. They were not willing to waive the interest charge because, we were now past the grace period. I informed them that I called several times within the time frame to dispute the unexpected charge. I believe that they mislead me, did not advise me of 2 different promotion due dates. They did not call or notify me that the promotion on the second purchase that was nearing the end of promotion and that I could pay off the balance within that grace period. I did not receive statements in the mail as requested because I rarely use the internet. I would have made larger payments or simply paid it off with no problem. The only reason why I financed the items was because of the XXXX deferred interest. I have paid off goods and services in this way before without any problem with other credit cards using automatic payments. I stopped the auto pay and will go to court if they are not willing to work with me.