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

My account with XXXXXXXX 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 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. XXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts  listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : 12 XXXX  XXXX XXXX    XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX,
Product: Debt collection

This collection agency is reporting the amount of {$67000.00} for a medical debt I don't owe. I sent a letter to this company asking them for information about this debt and they sent me a response saying the following " Medicredit '' determined that the balance on the account is accurate and is your responsibility ''. However, they did not send me any document related to this debt as I requested and this debt is definitely not mine, I am in XXXX, they are also reporting the account as Medical which is in violation of my rights by statutory HIPAA Laws. They also mentioned in their letter a company under the name of XXXX XXXX XXXX, XXXX. I don't have any account with that company.
Product: Credit reporting or other personal consumer reports

Dear Attorney General XXXX XXXX I am writing to file a complaint against Trans Union for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) in relation to inaccurate information being reported on my credit file. Trans Union has failed to provide proper verification of the alleged account or remove it from my credit report. Trans Union is reporting inaccurate and unverified information on my credit file, despite multiple disputes. Trans Union has not provided any legally sufficient documentation verifying the alleged account. Trans Union has ignored my requests for proof of permissible purpose to report this account. Additionally, Trans Unions failure to correct this informati

on has caused me financial harm, including credit denials and higher interest rates. Under the FCRA, Trans Union is required to ensure the maximum possible accuracy of consumer credit reports ( 15 U.S.C. 1681e ( b ) ) ; conduct a reasonable investigation when a consumer disputes information ( 15 U.S.C. 1681i ) ; have a permissible purpose for reporting an account ( 15 U.S.C. 1681b ) ; and delete or correct unverified accounts after a proper investigation. Despite its legal obligations, Trans Union has failed to comply with these requirements, leaving me with an unjustified negative credit report that affects my financial stability. I have sent multiple dispute letters to Trans Union and provided all necessary documentation, yet they continue to verify the debt without providing valid proof. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), but Trans Union has still not corrected the issue. As the chief consumer protection agency in my state, I am requesting your office to : 1. Investigate Trans Unions repeated FCRA violations and hold them accountable for their failure to correct inaccurate reporting. 2. Force Trans Union to provide legally valid verification of the account or remove it from my credit report. 3. Take enforcement action if Trans Union is found to be in violation of federal or state consumer protection laws.

Trans Unions continued negligence is causing me financial harm, and regulatory intervention is necessary.
Product: Credit card

XXXX  amount of 1089 towards Amazon store credit card. I place an order on amazon store to order a laptop I was tracking my package through XXXX  and my package arrived in my apartment building and left my package in the lobby not by my door. When I arrive from work my package was not there at all and my package was stolen downstairs in the lobby. I filed a dispute with Amazon store credit card aleast five times already and send them police report and XXXX  claim and an email from Amazon store that the seller are no longer with them anymore they not refund money at all.
Product: Credit card or prepaid card

I applied for a credit card with capital one, they opened, and then closed my account because I asked them to validate a debt on a different account. ( See enclosed )
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that my identity information was stolen and was opened a fraudulent account by XXXX XXXX XXXX. I submitted FTC Identity theft report to the credit reporting agencies and XXXX XXXX. Experian, XXXX, and XXXX have deleted this fraudulent account from my credit report, but recently, I discovered that Experian credit bureau reinserted the fraudulent account back to my credit report without my knowledge. I am a victim of identity theft.
Product: Debt collection

I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with XXXX back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the 1st credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.
Product: Credit reporting 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  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX XXXX credit card was opened without my authorization. I called the bank to report the unauthorized charges and account opening. The bank initiated an investigation where the bank claims that the charges were valid and that I had to submit a payment by XX/XX/2024. Throughout this time where the account was in dispute and under investigation, I was advised by XXXX  to avoid submitting any payments to the account. Towards the end of XX/XX/2024 the bank issued a letter stating to pay on XX/XX/XXXX where I proceed to submit a payment on XX/XX/2024 to be on-time for my payment. XXXX decided to report to the credit bureaus that I was past due XXXX even though I was compliant with their request.
Product: Checking or savings account

Good morning, My name is XXXX XXXX. On XX/XX/XXXX, I was a victim of Identity theft. The thieves hacked into my email and even broke into my car to be able to get my debit card.

When I noticed unauthorized charges on my chase checking account, I immediately contacted chase to make a claim. Unfortunately, Chase only investigated my claim for two days and denied it. I think that's completely unfair. 
I offered to show all the documentation that proves that I was a victim and that I didn't make those transaction. 

Chase doesn't listen and has completely denied my claim. 

Can you please have them throughly investigate? The FDIC insures that I am not responsible for transaction and didn't make and this is really unfair. I am going to attach the letter they sent me denying my claim. Thank you,
Product: Credit reporting or other personal consumer reports

Equfax want allow my credit report to creditors.I have been calling 3 months asking why the creditors cant view my Equifax file..I have been told by on representatives that my file is off line.and that why they can not view.I been told I would have the issue correct and call me... .I have been denied my credit report and accounts are missing on my file.Im like 10 days from filing a personal suit...
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tackling these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several hard inquiries on my credit report that resulted from the XXXX data breach in XXXX  where my social security number was found. The hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. After reviewing my credit report, I noticed multiple hard inquiries that I did not authorize or initiate, and I believe they are directly linked to the breach. I would like to clarify that I am not associated with these inquiries in anyway, nor did I consent to them, Given the circumstances surrounding the breach, I respectfully request that these inquiries be removed from my credit report as they are inaccurate and unfairly impact my credit score. Thank you for your attention to this matter.
Product: Credit reporting 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 168. 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 XXXXXXXX, 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 consumer reporting agency can not furnish your 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 items of information, other than records of conventions 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: Credit card or prepaid card

On the XXXX on XXXX I called American Express to talk to someone about my mobile banking account and the young lady stated to me that my XXXX XXXX American Express Serve card was suspended and locked and I was trying to get information as to why my account was suspended and locked but she never gave me no information at as to why they locked and suspended my account and at this point I just filed my income taxes and when I contacted XXXX XXXX with is the taxes service I filed my taxes with and they stated to me that I have now wait for my income taxes refund in mail instead of me receiving my taxes refund on my American Express Serve credit card and now they are telling that I can't speak with someone over the phone instead they stated to me that I have to right a letter and mail the letter but they still didn't unlock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 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

I have oppen accounts that are not mine and there's dep that are not mine never had a XXXX XXXX card and southwest company I'm unknown about
Product: Credit card or prepaid card

XXXX charged my card {$2500.00} for a 2 day rental that was previously paid for. They have no contract or agreement for that amount chase keeps allowing them to refill the fraudulent transaction repeatedly
Product: Vehicle loan or lease

I called Bank of America to get a payoff amount for my auto loan. The payoff amount was around {$52000.00} and due XX/XX/XXXX. I went to XXXX XXXX and got certified funds to pay Bank of America off. The XXXX representative made me endorse the check before I left the bank. The date of the certified funds was XX/XX/XXXX. I immediately mailed the check to Bank of America. A few weeks later Bank Of America mailed the check back informing me the check was not endorsed correctly. The check was endorsed correctly. Instead of mailing the check back I went into a Bank of AmericaXXXX branch and paid off the auto loan. Because the check was received after XX/XX/XXXX, {$140.00} interest has accrued. I paid the loan off in time. This was a bank error. I have called the Bank of America XXXX XXXX department with no relief. I have went into a physical branch with no relief. Nobody seems to know how to help me. I think this is another tactic Bank of America uses to get fees illegally from its customer.
Product: Credit reporting or other personal consumer reports

I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, equifax and XXXX have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.