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

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted letters to regarding inaccurate and unknown things on my credit report. To this day over 60 days later I haven't received a response yet. I feel like I'm being ignored and my disputes are being ignored. Section 611 ( a ) it states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report it has been over 60 days so the should be deleted promptly. I demand these items be deleted immediately or I will file for litigation for the XXXX and XXXX  this is causing me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items removed or have anyone from Experian contact me about the status of my concern. Here are the items that I am trying to dispute XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I called the compa ny ARS ( Account Recovery Services ) to validation of this debt that has been reported on my Credit Report several times. I spoke with t he agent who would not provide any information. He kept going around the question. I 'm not understanding what to do next this company is becoming a nightmare and its affecting my family to the point where I 'm unable to provide us with a place to call home. Please assist me with resolving this issue.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX 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 ) 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: Debt collection

I don't know anything about this debt. Debt collector not reachable.
Product: Credit card

There is a hard credit inquiry on my XXXX credit report from Continental Finance Company of XXXX, DE. I did not authorize that inquiry. I have no accounts with Continental Finance Company of XXXX, DE, and I never applied for any accounts with them. When I attempted to inform them of this error, they told me to " get a police report '' ( they never even asked me my name ). Continental is an unprofessional company. The hard inquiry was made on XXXX XXXX, 2015, exactly one day before I filed for Chapter XXXX bankruptcy. They need to remove that inquiry from my XXXX report ( I have already contacted XXXX regarding this ) posthaste.
Product: Credit reporting

My XXXX XXXX XXXX account went late the first time in XXXX XXXX. The account has been paid in full. Therefore, it should not be reporting on my credit report. It is XXXX XXXX. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XXXX XXXX, XXXX about several inquiries that I did not give any authorization to pull my credit report. I asked them to please dispute the information. I received a letter today XXXX XXXX, XXXX that the investigation is completed and the information is accurate. This is less than XXXX business days later I am inclined to think that they did n't investigate each of these inquiries with each of these companies as they 've provided no proof that my consent was given. I would like these inquires removed as result.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts to provide valid documentation supporting my position, it seems that my message is not being properly received. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me, and I am perplexed as to why it is being labeled as fraudulent or high-risk. The documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. I am aware that according to FCRA Section 619, obtaining information under false pretenses is a serious offense with severe penalties. However, I have never shared my documentation with anyone else, and I fail to comprehend why it is being suggested that this constitutes high-risk due to potential fraud. The following accounts need to be removed from my credit report ASAP : XXXX XXXX XXXX XXXX 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

On Friday, XX/XX/2023 I received email notices from the various credit reporting agencies that there had been a drop in my credit score followed by a new credit card appearing in my credit file. The credit reports documented the inquiry was from Capital One and the credit card was a Capital One Venture Card. At no time have I applied for a Capital One Credit Card.

Contemporaneously, I received an email from Capital One congratulating me for being accepted for a Venture Card. ( A true and accurate copy of said email is attached hereto. ) I immediately called Capital One ( XXXX XXXX, 2023 @ XXXX ) and spoke to XXXX XXXX XXXX # XXXX ) to report the fraudulent activity. XXXX stated that she found the account and was reporting it to the fraud department and instructed me to file a police report.I then filed a police report with the XXXX Sheriff Dept., in XXXX, Florida. ( Police Report # XXXX, Filed XXXX XXXX @ XXXX ) Additionally, on XX/XX/2023, I filed an Identity Theft Report with the Federal Trade Commision ( Report # XXXX ). 
Following filing both a police report and the and FTC Identity Theft Report, I called Capital One Fraud Dept and spoke to XXXX ( ID # XXXX ) and relayed the report numbers. 
On Tuesday, XX/XX/2023, I called and spoke to XXXX at Capital One Fraud Department to inquire when the fraudulent information would be removed from my account who stated it would be removed within 48 hours. 
As of XX/XX/2023 the fraudulent inquiry has not been removed.
Product: Debt collection

I received a letter XX/XX/18 It stated I owe XXXX XXXX for over {$2000.00}. 
This is the first time i have seen anything regarding this. 
It does not show on any of my credit reports, nor XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like more information regarding this account. When was it opened, why is it not on any of my credit reports and why is this the first time I'm hearing of it? 
I work Monday - Friday XXXX - XXXX Please call me hours other then those time or email me with information. Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

Capitol One sent me a XXXX card with a XXXX limit but when I tried to setup a online account to use and monitor the card they would not help with the setup. 
I could not jump through all the hoops they required but I was sent the card. 
When one security question was answered they concocted another and another until we reached a point of me sending my driver 's license which is outrageous. I answered all their questions but the foreigners didn't seem to understand. 
Spent hours trying to get this resolved and finally had to throw the card away and apply someplace else. Customer service was horrible and people did not speak understandable English and wasted 3 hours of my time over a 2 day period. 
They should apologize to me for issuing a card and then not allowing me to use the card after I answered all their security questions and for them not resolving the online account setup issue. Overall, these people are arrogant disrespectful and need to learn English.
Product: Debt collection

I had a credit card with XXXX a computer I bought for XXXX Unfortunately my hours at work got cut and was not able to pay the credit card. I then received a letter from asset recovery solutions llc. I immediately called because I know collections ruins your credit even more. They told me they were collecting debt for the XXXX credit card, and I set up automatic payments to pay off the debt thinking I would improve my credit by paying what I owed to XXXX. About two weeks later, and after I made my first payment, I received a letter form XXXX saying my debt was a change off and bought by this company. This company was deceptive, and used unfair debt collections efforts. They lied and made me believe I was paying XXXX. Never once they said I my debt form XXXX was charged off and they bought the debt form XXXX. Im only XXXX XXXX XXXX and a XXXX XXXXXXXX. I want to make right by XXXX and this company took advantage of me. If I was told this debt was charged off I wouldve called XXXX  and try to work something with them. All this informations should be disclosed to me. They were not collecting for XXXX  as they lead me to believe. Please help me resolve this issue so they dont further ruin my credit. Thank you
Product: Debt collection

Upon reviewing my credit report, [ Account # XXXX ] I have found discrepancies where my personal information was either furnished or obtained by your bureau without my authorization. Please be advised that under 15 U.S.C. 1681b, a consumer reporting agency may only furnish or obtain information when there is proper written consent from the consumer or a permissible purpose outlined under the law. I have never provided such written consent nor authorized your bureau to obtain or disclose my personal data. 
As a result, I am requesting that you investigate this matter and remove or correct any erroneous or unauthorized entries from my credit report immediately. I also request that you provide documentation proving that my written consent was obtained or that the action taken was in compliance with the FCRA. If you are unable to provide such proof, I request that you remove the disputed information entirely. 
Please confirm receipt of this dispute and keep me updated on the status of the investigation. According to the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. 
I trust you will address this matter promptly and in accordance with the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I withdrew about $ XXXX from my Coinbase account via wire transfer on XX/XX/XXXX. The funds never arrived in my account. It is now XX/XX/XXXX. The funds were supposed to arrive in 3-5 business days according to Coinbase. The transaction shows as complete despite never receiving the funds. I wrote to customer support on several occasions only to receive an automated email response. 

Additionally, I lost .XXXX litecoin on a transfer because i mistakenly used my bitcoin wallet address. If the address was invalid, why wouldnt their protocols identify and disallow that? So where did my coins go? They just disappear?? How is that possible when every transaction and custody of every coin is recorded in the blockchain, a distributed ledger.
Product: Checking or savings account

I have savings account with Bank of America which is linked with Primary checking Account for automatic transfer. I never had fee associated with the savings since 2005. For the past two years there is hidden fee of {$5.00} on monthly basis, and there wasn't any mention of fees would be incurred to the account due to recent changes with the bank. Followed up with BofA customer service who are setting hardline on waiving or reversing fees applied to Saving Account in {$5.00}. The claim is to have minimum {$300.00} in saving which wasn't communicated in letter for recent changes coming to old saving account. As matter of fact asked for resolution, and Bank of America showed hostility & refrained from resolving matter as part of waiving fees on saving account which was occuring as per banking statement for two years. Need to contest those fees applied to Saving Account.
Product: Credit reporting or other personal consumer reports

The following credit card accounts currently showing and listed on my Experian, XXXX and XXXX XXXX are fraudulent and unauthorized accounts : XXXX XXXX XXXX, {$350.00} and XXXX XXXX XXXX, {$410.00}. I never applied for an account with XXXX XXXX XXXX  or XXXX XXXX XXXX. The accounts arent my accounts.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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

I submitted a dispute to the credit reporting agencies regarding inaccuracies on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The only investigation that was opened was my dispute sent in XXXX and ever since then, not a single investigation has started. 

I called TransUnion and had an in-depth conversation with a representative regarding my account. The only dispute investigations they have on file was the initial dispute letters they received on XX/XX/2020, and that's it. Not one investigation has been opened since and I have all of the tracking numbers to prove that they did in fact receive my letters. 

I have also not been able to talk to a representative from XXXX. Every phone number I can find doesn't give you the ability to speak with someone. I used the XXXX  app and website and haven't been notified about any disputes for several months either. Again, I have all of the tracking information to prove they received my letters. 

Below, you can see all of the tracking details for the letters I have mailed.

Round 1 TransUnion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 2 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 3 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 4 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 5 XXXX  : Date Sent XX/XX/2020 TransUnion : Date Sent XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX XXXX account reporting on my XXXX, XXXX   and Transunion for a while now as a charge off status, XXXX has reported it in XX/XX/XXXX-XX/XX/XXXX and starting XX/XX/XXXX and has not updated since then, XXXX has been reporting but has not been showing in payment history, Transunion last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Product: Credit reporting or other personal consumer reports

I asked each company for the removal of the accounts on my credit report as it is a violation of 15USC 1692c ( c ) which clearly states : " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication. '' Reporting to the credit agency is a form of communication.

The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent letters to each company on the XXXX XXXX XXXX  2024, explaining my situation. Each company responded with a letter to contact them, which I did and I have been given the run around.