23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Today 's date XXXX XXXX/24 Goldman Sachs I am writing to dispute a billing error in the amount of [ {$.00} of interest ] on my account. This is affecting my credit score and this is not the first time I've had this issue and had to call the credit card company about it. I have paid my bills on time and they continue to bill me interest and say I haven't paid when on time, when I have proof of payment. I even received notifications from this Goldman Sachs credit card company, saying " A payment is due on XXXX XXXX. Pay {$0.00} to avoid interest charges. '' I of course made no payments since that message makes no sense, there was no payment to be made, all my payments were made on time. I have screenshots of this. The amount is inaccurate because I have proof of payments and calls with this credit card company multiple times with this exact situation. The last time, the representative said to make payments of {$45.00} and everything should be corrected. I hesitated but I still did it and of course, I was still charged interest, that has dinged my credit score twice now. This has brought my credit score down from XXXX to XXXX in just a month. This is not okay. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of the screenshots that prove I've made the payments on time and the notifications sent of having to pay {$0.00} to avoid interest. I am currently on the phone and have been trying to resolve this with the credit card company for over two hours now. They are not helping me at all and are treating me horribly, along with not being willing to see my side and the fact they on their end, they don't have the information I have. I say I received a message from you guys saying to pay {$0.00} to avoid interest charge and they say, " We don't have that on our end, do you have proof. '' I say, " Yes I do. '' Just for them to say well we don't have it on our end and on our end it says you didn't make the payments on time, just going back and forth with me. They are not willing to do what it takes to resolve the situation. Which is why I'm here. I plan to close my account and do a balance transfer to another account after this experience with Goldman Sachs. I hope you can support my position. Please investigate this matter and correct the billing error as soon as possible. 

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

I sent LVNV Funding LLC C/O Resurgent Capital Services a certified investigation letter on XX/XX/XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i LVNV Funding LLC had 30 days from the date they receive my dispute letter ( XX/XX/XXXX) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still havent received any validation of this date, nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX which was delivered XX/XX/XXXX stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stating after doing my own investigation and contacting XXXX myself that the opening date was XX/XX/XXXX and that the debt was sold for way less then what is being collected for on my credit report. Based on FCRA this account is to be deleted now for failure to provide accurate information to the credit bureaus and failure to provide validation of the debt in the legal time allowed per the FCRA. 

I then receive a letter from Resurgent Capital Service dated XX/XX/XXXX stating that they are managing the account for LVNV Funding LLC and has initiated a review of the inquiry. A few weeks later I receive another letter from Resurgent Capital Service dated as XX/XX/XXXX stating that the account has been review and attached is the documents, which was just a signed contract. 

I requested validation of the debt back in XX/XX/XXXX which is 3 months past the legal time they originally received my letter per the Federal Fair Credit Report Act 15 U.S.C. 1681 ( I ). The signed contract that was sent DOESNT show if any payments has been made, if there was any additional interest fees was added, any collections fees, etc. ONCE AGAIN MY RIGHTS HAS BEEN VIOLATED per both The FDCPA and The FCRA because the letter I received from your facility didnt give any true validation of the amount of debt being collected.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following date XX/XX/2024 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act states that negative information can not appear on one 's credit report for a period longer than 7 years. But despite that, XXXX continues to report an old negative account on my credit file. It has now been on my credit report for 7 years and 3 months. This account needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT MY CREDIT REPORT FROM EXPERION, THEN IT TOLD ME THAT I HAD ONLY 2 MINUTES LEFT ON MY REPORT AND THEN IT CUT ME OFF. THIS IS NOT ACCEPTIBLE. PLEASE SEND ME MY CREDIT REPORT! tHERE ARE DISPUTES ON IT, i WANTED TO ADDRESS THESE DISPUTES!
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 studying 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. these are the account : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTE XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS XXXX. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED
Product: Credit card or prepaid card

I made a purchase at XXXX XXXX XXXX furniture store on XX/XX/XXXX. This purchase was made with no interest with an equal amount of payments. The promotion expired on XX/XX/XXXX. I set those payments up for automatic recurring ACH payments from my checking account. This was account XXXX according to TD Retail Card Services . 

I made an additional purchase from XXXX XXXX XXXX furniture store on XX/XX/XXXX. This was a deferred interest with payment, expiring on XX/XX/XXXX. I set those payments up for automatic recurring ACH payments from my checking account. This was account XXXX according to TD Retail Card Services . 

As my promotionalTD Retail Card Services XXXX XXXX XXXX  was going to expire, I had an accrued interest of {$490.00} on # XXXX. I called TD Retail Card Services toll free number XXXX a number of times, and was repeatedly told ( on a recorded line ) that there was no way for me to direct a specific payment to the expiring promotional sub account. 

I was placed in a situation of either paying off the entire account ( both purchases ), or my deferred interest was going to post to my account. I felt coerced, and paid the entire balance off of {$2400.00}, as it was evident to me that their business model is to force the consumer to have that the deferred interest post to the account. 

I complained to XXXX XXXX XXXX also, since their corporation made me, the consumer, deal with the finance company that they choose to do business with. Nobody was willing to do anything to address this, and I hope you can, as I am now short on cash as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating federal law because they have not received my written instruction to furnish anything to my credit report, however they are continuing to report inaccurate and unverified data. I also ask Experian to provide me with my written instruction to furnish these items and they did not.
Product: Student loan

Loss of a job, car broke down. Now they're calling my friends and sharing with them my debt information. I have the voicemail to share
Product: Credit card

Chase Bank fraudulently charged my credit card ending in XXXX interest of {$22.00} not {$2.00} even after I paid off my credit card and it didn't go into the next billing cycle. They have also been charging me {$28.00} on credit card ending in XXXX while I paid off my credit card in 2019. They have charged me an excess of {$1200.00} and I am due a refund. I have left messages without a response. I have also sent an email to XXXX without a response. Nothing has been resolved. 

Also, my banking information was provided without verifying that I am XXXX XXXX with phone number, address, credit card or banking information by XXXX from the XXXX and XXXX XXXX XXXX Chase Bank location. I am concerned how easily my private banking information was provided without verification. 

Nothing was addressed nor have a I received a response from the company at their email no did they provide a phone number to call.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting or other personal consumer reports

There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be XXXX XXXX accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter out on XX/XX/XXXX via fax to Capital one dispute department. I explained to the Capital One dispute representative that i had XXXX, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my XXXX XXXX XXXX to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The Capital One & credit bureaus representatives told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and capital one continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried numerous times to get items removed from my credit report such as inquires i don't recognize and charged off accounts that were paid in full. ive asked the credit bureau for an accurate report of my account and nothing has ever changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent XX/XX/2021 disputing two collection agency collecting on the same account reporting open with a balance which is XXXX XXXX. 
Today date is XXXX,46 days late and I still aint heard nothing from them which is a violation FCA , section 611 ( a ) ( 5 ).
Product: Credit reporting or other personal consumer reports

XX/XX/2024 i sent a letter to the credit bureaus they stated that these accounts are verified but how can they verify an account if they never did a fair investigation according to the 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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: Payday loan, title loan, personal loan, or advance loan

I am an XXXX XXXX XXXX currently on XXXX XXXX. When I took out the loan, I was still XXXX XXXX and on XXXX. 

Firstly, I am unsure if this company was allowed to charge me an interest rate of more than 6 %. They charged 29 %, I believe. 

I was paying the loan off through XXXX and I believed the account was paid in full. 

I discovered months later that I had a balance of XXXX which Uplift had placed on my credit report. This decreased my score by over XXXX points. 

As an XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I dont always have opportunity to check my credit, but I do make sure that I pay my bills on time every month. 

Uplift refused to remove the negative marks from my credit despite these facts. My credit is suffering as I serve this country because of XXXX XXXX XXXX. 

I have notified my XXXX and if this is not resolved, this company may be blacklisted. This will save other soldiers from going through what I am going through now. 

When I come home in XXXX, I had hoped to buy a house. I am uncertain if I will be able to do so now because of Uplifts unwillingness to support hardworking servicemembers.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated because unauthorized inquiries suddenly appeared on my credit report, and I have no idea why. I checked as I normally do, but this time there were discrepancies. I refreshed my browser hoping it was a glitch, but the inquiries were still there. I need this issue resolved immediately, and I am asking for a thorough review of the documents I sent so I can have peace of mind moving forward.
Product: Debt collection

I reviewed my Credit report back in XXXX of XXXX  & I discovered that i had a few accounts, names, addresses, and phone numbers that did not belong to me & i was not familiar with. I reached out to the original creditor " XXXX '' and they directed me to the company trying to collect the debt which is JEFFERSON CAPITAL SYSTEMS , LLC. I have tried reaching out to them multiple times with none being successful. I have disputed the account multiple times only for it to come back as verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying 159 % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, XXXX, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.
Product: Credit reporting or other personal consumer reports

A loan was taken out through Mohela with my info for around {$1500.00}. Need this to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just happen to check my credit report and I noticed CAPIO Partners LLC, I said, what the XXXX is this? I opened it and it says it is because I owe {$1000.00} to XXXX  Hospital for XX/XX/2020. I didnt live in Florida, I live in New Jersey and I did not visit Florida  and there is a pandemic going on. This has impacted my credit score and I dont even understand what this is. I want an investigation. Proof of hospital bills and signature that this was me. I have utility bills receipts to prove this isnt me and I havent visited or been in Florida. Please help me remove this. Now, I have to do all the troubleshooting, while getting hurt financially by the impact of some random fraudulent person or company.