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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX 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

There is an inquiry on all of my personal consumer report from XXXX ( XXXX ) that I did not make or recognize, and would like to have it removed and report updated from XXXX, XXXX and Experian credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Capital One, I am writing to dispute XXXX late payments on my Capital One account ( # XXXX ) for the months of XX/XX/2021 and XX/XX/2021. According to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. According to my records,, I noticed that I did not receive the required information outlined in section 1637 ( b ) of the same title, s. As a result, I am requesting that the late payment fees and any interest charges be waived from my account for those XXXX  months. 
As a loyal customer of Capital One, I have always made timely payments and maintained a good credit score. Therefore, 1 urge you to reconsider the charges applied to my account and comply with federal regulations to ensure a fair and transparent transactional process. Please update my account to paid on time. 


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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 



Inquiry Name Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.
Product: Debt collection

I have not received any notices or letters from them before putting on my credit report. This is not proper way to contact the client to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Account name : XXXX  account number XXXX You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. Per the FTC WEBSITE ACCURACY When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) Delinquent Accounts When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, see the examples below. FCRA 623 ( a ) ( 5 ) ( A ) the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Credit reporting or other personal consumer reports

Mohela 's inadequate communication with me had led my credit score to drop significantly by XXXX points. Essentially, my account was with XXXX. However, they moved it over to Mohela, and Mohela did not communicate with me before reporting a late payment on my credit as " delinquent. '' I am in the process of purchasing a home. However, with this drop in credit, it will hinder my progress, and probably cost me thousands of dollars!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX hard inquiry this not my account please remove
Product: Debt collection

Hello, midland credit told me I didnt need to go to the court hearing and now they got it by default even tho they dont have my correct birthday or correct info. They scared me so I started paying on it until my husband told me thats not even your debt why are you paying on that. My social security number was stolen and we had a credit freeze for an extended period of time
Product: Credit card

I have a USAA credit card, -- -- -- -- -- -- XXXX. 
USAA Bank allowed a {$3000.00} + charge on my account using someone else 's credit card, their number is, -- -- -- -- -- -- XXXX! 
That is not my credit card number! 
That is illegal!!! 
USAA Bank says that is to bad, and that it does not matter to them, and that I still owe the {$3000.00} plus interest!!! 
I was not able to get an XXXX, so I took off work, and paid XXXX {$150.00} and shipped the merchandise to the USAA Bank!! 
USAA Bank said that makes no difference to them and that I still owe them {$3000.00} plus interest!!! 
I have been with USAA for more then 26 years, I have never been even late with a payment, and this is the way they treat their customers!! 
MILITARY PEOPLE, AND ALL PEOPLE, STAY AWAY FROM USAA!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting inaccurate information to XXXX   and Experian. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual XXXX XXXX calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as SunTrust to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s ) indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.
Product: Credit reporting

I disputed the inaccurate info about the judgement, case # XXXX, with XXXX and Transunion. Both stated the info was correct. However, as noted on the reports XXXX is showing a Paid/Satified date of XXXX and Transunion shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing PNC bank chargeoff account since around XX/XX/2017. I want this negative item deleted from my credit report as I believe it has been reported in error. In violation of consumer protection laws like the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;
Product: Credit card or prepaid card

I had provided a written petition per TD Retail Card Services ( XXXX XXXX ) request to remove a charge from my account over 12 months ago. A phone was delivered to my house and I refused the package. I have all the tracking information to show it was refused. The company said they received my petition and would respond within 3 months. I have called multiple times and they keep telling me to wait for a response but they have violated federal law by responding within a specific time frame. I am still being charged every month for the product and it's causing me great inconvenience and they are doing nothing to fix it.
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXas never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Debt collection

Hello, My Transunion credit bureau reflects a debt from JJ Marshall & Associates iao {$1300.00}, listing the original creditor as XXXX  XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent my third letter to JJ Marshall & Associates and a copy of this letter certified tr # XXXX to XXXX  requesting a verification of this debt. As of XX/XX/XXXX I have still not received any verification, yet they continue to report this debt. Under FCRA Section 616 and 617 this is willful and negligent noncompliance. Under section 611 they are required to delete all information which can not be verified. 

I ask that you please cite my complaint for non compliance by both XXXX  and JJ Marshall. 

Thank you
Product: Credit card

I contacted Best Buy Credits Services in XXXX XX/XX/XXXX to advise of unexpected medical bills, which was putting me in a position where I was not going to be able to pay off a promotional balance on my account that was due to expire on XXXX XXXX, XX/XX/XXXX. Supposedly the process was started on my request but was never completed, so they " started it over again '' when I called in XXXX XX/XX/XXXX I continually kept following up on the status and could not get a definitive answer. Calls were placed on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All I was asking for was an additional 60 days to pay off the balance with out incurring the deferred interest amount of {$1000.00}. I kept getting told over and over that I would see it on my next statement, needless to say this has never happened and I was hit with the deferred interest on my statement that closed out as of XXXX. I received a voice mail and email today from XXXX XXXX Best Buy Credit Services Account Manager and tried repeatedly to return the call and got voice mail and left message and also returned a response to the email requesting that I be called. So, I called the number on my statement and got to a different Account Manager and got so perturbed I ended the call.
Product: Credit card

Subject : Request for 1099-C Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form 1099-C ( Cancellation of Debt ) for my records. 

On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form 1099-C should have been filed and provided to both me and the IRS as required by law. Please provide me with a copy of this 1099-C form, as this is necessary for my tax records. 

If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.
Product: Checking or savings account

On XXXX i went to the bank and deposited a check into my checking account. On XXXX the bank locked my account. I can understand putting a hold on the amount of the check but i had funds in there before the check. i had my car insurance coming out and i tried to use my debit card and was declined. I called the after hours line and twice they told me i could not have my money until XXXX XXXX XXXX so on XXXX i went to the bank and took him 15 minutes to finally tell me i could have the amount prior to deposit. but i declined that because i figure i might close the account down, but it's upsetting that the money is in my account but refused to help me until i went in person and told them i was going to contact you about the problem and i got laughed at from the manager. i figure it's my money why can't i have it, also on XXXX XXXX my payroll check was deposited and i am not allowed to have it either until XXXX. the bank also took and opted me out of receiving my pay 1 day early because of them locking down my account and wont fix it, so it's time to just close the account. Sad part is i never got a apologize for the inconvenience or getting back my early pay.
Product: Credit card

XX/XX/2023 bought about {$500.00} worth of perfumes on Macys credit card which was issued at the store in order to receive 20 % discount, Unknown to all they had an old mailing address and bills were sent there regardless of my requests to change it. It was finally changed and I paid the balance of the merchandise in full when I received the actual bill. They keep adding fees and late charges which is the current {$110.00} charge regardless of numerous letters to them that the late payment was not my fault. I refuse to pay it and refuse to buy anything from Macys ever if this is not rectified immediately. I have a perfect credit score and always pay my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me and are fraud. I have included the identity theft reports as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I requested my transcripts on XX/XX/2024 in order to pursue my XXXX degree in XX/XX/XXXX. That is when I was told that my transcripts were being held due to a financial hold. I was unaware of this hold so I emailed the bursars office as instructed. The email stated that I needed to contact the collections agency XXXXXX/XX/XXXXXXXX to pay the {$11000.00} balance. I do not recall ever being told about having a balance on my account. My parents recommended I go through this site due to a new law that has passed about withholding transcripts.
Product: Credit card

XXXX of XXXX  I paid down my discover credit card and went to take care of my father who had XXXX. Upon returning home in XXXX I checked my account, which was set to auto pay, and there were hundreds of charges totaling nearly XXXX dollars. I immediately called discover. They temporarily removed the charges but have since added them back without any justification. I have also filed a report with the FTC and the credit bureaus. Please help. I am happy to pay for my purchases, but I should not be responsible for charges I never made. In fact over the last XXXX  years with Discover the charges made to my account do NOT align with ANY purchases that I have ever made. They are clearly fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open an account with Discover Financial Services LLC. This is a fraudulent account.