23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about an online systems malfunction, lack of customer disclosure, and an unwillingness to make things right that resulted in a late payment mark on my credit report for my Capital One / Menards BIG credit card, which has now stayed on my credit report for over 2.5 years. This has negatively impacted my ability to receive home loans, and has costed me hundreds of dollars in additional interest and fees.

When I opened the account, Capital One forced me into the paperless option to save themselves money, but denied me online access to view my bills. Due to a technical error, I could not set up my online account for the first 6 months after account opening. Realizing the problem I would have with a potential late payment, I set up monthly automatic payments of {$40.00} - the minimum monthly payment amount. 

Little did I know, the minimum monthly payment increased by a few dollars several months later, causing me to receive a late fee. This step-up in fee was inadequately disclosed to me in the account terms. 

As a result of this, in XXXX I was past due with a balance due of {$7.00}. There was no attempt to contact me nor did I receive any monthly bills informing me of this. I was charged a late fee of {$25.00} that month. This late balance continued to grow and accrue more late fees, despite me paying {$40.00} each month, which was the minimum payment shown to me when I opened the account. Eventually, in XX/XX/2018, I received a negative mark on my credit. Noticing this, I immediately got in touch with Capital One and made a large payment of {$200.00}, but the negative mark remained. 

My otherwise excellent credit history has been tarnished by Capital One 's unreliable technology, lack of disclosure, and lack of concern  for its customers. Capital One denied me access to view my bills online, did not send me paper statements, and despite making regular payments each month in the amount of {$40.00}, hit me with a past due negative mark on XX/XX/2018. Despite contacting them directly, and initiating 2 separate disputes through the credit bureaus, they have ignored all my attempts to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$100000.00} ; XXXX XXXX* Balance : {$0.00}
Product: Debt collection

The branch I dealt with in XXXX and recently was this branch : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I quote and wrote XXXX XXXX and the XXXX. I have also spoken to the debt collector and there is nothing on credit report as of yet... 

" I sent emails with letters to verify and they never responded. 

Attached you will find a cancellation letter from XXXX. 

I am disputing it with the credit agencies, the FTC, and the XXXX. I am willing to let the debt sit since I have good credit anyway and it really won't affect my credit very much and continue to dispute it or settle it in small claims court due to principal. 

I am very unhappy with the services when all I was trying to do was change the membership I was told I needed to cancel and re-open. None of your representatives were able to do that. It caused so much frustration I decided to just cancel all together and they still did not do this right. The reps name was XXXX and she was extremely unprofessional and lacked the knowledge to cancel my membership correctly. Now it is in collections and I've sent them the cancellation letter. Please train your staff to do their job. I should not owe any debt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX I filed a dispute with the major credit bureaus XXXX and Transunion about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorized these inquiries on my credit profile. I reached out to the companies, they had no info on file or paper work or proof that I requested my credit report being ran for credit with their company. 

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

On XXXX XXXX we e-paid our mortgage to Freedom Mortgage for the full amount {$1900.00}. On XXXX XXXX we received a payment returned notice from Freedom Mortgage, they stated there were insufficient funds. 

This was not true and I copied my checking account statement from my bank from the dates they claimed to have presented the check for payment, which was XXXX XXXX. I sent the copies to them by their emial system. I also called my bank to see if the problem was their end. My bank said they never received any call or claim for these funds from Freedom Mortgage from their epayment system. The Freedom Mortgage system just did not register my payment and then they marked us 30 days late. I sent this bank statement to them to ask them to correct this mistake. They wrote back by email that there was no mistake and that there were not sufficient funds and did not correct their 30 day late status. They also attached the detailed spreadsheets showing we paid late in XXXX and this is their proof that we paid late. We did not pay late, their e-system was broken. 


I also have disputed this mistake to credit bureaus XXXX and XXXX who did not update our account after I disputed it. This mistake is due to a technical glitch on the part of Freedom Mortgage, who has insisted they are right when I have proven with my bank statements this is not correct. 

Would this office be able to help?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXXXXXX XXXX  {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I receive two payment for the amount of {$1500.00} ( XX/XX/2020 @ XXXX ) and {$1000.00} ( XX/XX/2020 @ XXXX ) on cash app and when i try to cash out the money to my bank account they block my account For security they say. I been contacting them through emails 3 times a day everyday for the last 2 weeks and every time they respond to me its the same automated email asking me for the same information over and over and I still today XX/XX/2020 didnt pay my rent because they dont want to release the money and they dont have a customer service number that I can call They are not responding my emails or saying anything real back to me. I dont know what else I can do to resolve this problem.
Product: Student loan

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

I have reviewed my credit report and found that a late payment has been incorrectly reported by Transunion for the account XXXX XXXX XXXX account number : XXXX on XXXXThis late payment is incorrect because I made a payment of {$25.00} for XX/XX/year>, as demonstrated by the attached proof of payment documentation. I have submitted a dispute to Transunion and provided evidence showing that the payment was made on time. Despite this, the credit bureaus have not corrected or removed the inaccurate late payment from my credit report. This failure to investigate and correct the error violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i. Given the violation of the Fair Credit Reporting Act and my consumer rights, I request the following action. Immediate removal of the inaccurate late payment entry from my credit report. I respectfully request that the CFPB intervene in this matter to ensure that my rights under the FCRA are upheld and that the credit bureaus comply with the law. Please feel free to contact me at the provided phone number or email address for any further information or clarification.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XX/XX/2019, I initiated a transfer via Alliant Credit Union's website, to transfer $XXXX from my XXXX XXXX checking account into my Alliant Account. The app told me that it would be available on XX/XX/XXXX. In the past, each transfer I have made in this manner has cleared on the date that the app said it would be available. I logged into my account on XX/XX/XXXX and noticed the money had not transferred. Further, I logged into my XXXX XXXX account and them money had never left XXXX XXXX. I went into my transfer history and pending transfer list on the Alliant app, but no transfers showed. It appeared that the transfer was somehow deleted. So, I initiated the transfer again. Sure enough, the next day a transfer appeared, and a second one occurred thereafter. This second transfer caused the XXXX   XXXX account to become overdrawn. The second transfer was returned, and XXXX XXXX charged me a $XXXX  fee and Alliant   charged me a $XXXX  fee. All of this was because of the glitch on Alliant's end where the deposit did not clear when it was promised, but more importantly, did not even show as a pending or historic transfer. There was no evidence on the app that the transfer existed at all. I called Alliant on XX/XX/XXXX and requested these fees be refunded. I further told them that they should let their IT team know about the issue on their app with pending transfers not showing up. I was told a supervisor would contact me to discuss the issue. I was never contacted and the fees were not refunded.
Product: Credit reporting or other personal consumer reports

Goodevening ; I have found on my credit report inquiries that do not belong to me and I have asked XXXX XXXX AND EQUIFAX TO REMOVE FRAUDALENT inquiries XXXX XXXX  XXXX  ( bank ) XX/XX/XXXX, XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX, XXXX /XXXX  ( Construction ) XX/XX/XXXX, XXXX  XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & # XXXX ; XXXX  ( Hotel and travel ) XX/XX/XXXX, XXXX The berau companies have recently have a settlement for not complaying with federal law and removing fraudalent things out of peoples report and now they doing it again by not letting me get a mortgage with this inquiries that are fraudalent. I ask please to remove all those inquiries that are not mine
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

At Sallie Mae, they offer 3 month forbearance periods for struggling loan receivers that ca n't afford to pay back the debt. On XXXX XXXX, I called Sallie Mae to ask for a forbearance because i couldnt make the payments. My account was up to date, no past due payments. My payments are due on the XXXX of each month. So through out XXXX im still being harassed by sallie mae every day, waiting for the forbearance to be processed. This is a normal occurrence by the way, at least 8-10 calls a day. Its harassment and it should be illegal to bother my family and I so much. So after a few phone calls, i find out that the forbearance wasnt input correctly. So they had to restart the process again. So after that was over, i thought that this was taken care of. What I found out today is that the person I talked to in XXXX put in a 1 month forbearance. Which I did not ask or pay for. I paid XXXX dollars to have my loan in forbearance for 3 months. Now, im recieving harassing calls again from early in the morning to late at night. The times are outrageous. Sometimes as early as XXXX and as late as XXXX So now, they wont even transfer me to customer service because my account is overdue? It wouldnt be over due if they didnt input everything properly in the first place. This whole ordeal is so frustrating. No one can do anything for me at the office anymore.
Product: Credit reporting or other personal consumer reports

I HAVE LOOKED AT MY CREDIT AND MY SOCIAL MUST HAVE BEEN STTOLEN TO APPLY ANND HAVE ACCOUNTS THAT DO NOT BELONG OR HAVE EVER BELONG TO ME NOR HAVE I APPLIED PLEASE HELP 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I requested ( XXXX  months ago ) that a merchant be blocked from auto debit as I have cancelled this service. On XXXX the charge re-appeared. Discover said they never did block the merchant and I would be responsible for the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts and I have a right to privacy. 

I have asked for investigation results and proof that the accounts in question are valid multiple times and have received no such proof. 

This is a request for an investigative consumer report, which means a consumer report or portion thereof in which information on my character, general reputation, personal characteristics, or mode of living must be obtained through personal interviews with neighbors, friends or associates. 

The accounts must be permanently deleted if they are not 100 percent correct and accurate.

Please investigate these accounts. Please provide proof that they are 100 % correct. Please do not send me results again saying they are valid without proof of validity. 

I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Please provide proof that you have conducted interviews with my neighbors, friends and associates on my general character, general reputation, personal characteristics, or mode of living. Absent such proof, you must immediately and permanently delete the accounts in question. 

Please stop violating my rights to a true and thorough investigation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have you request that the lender correct the mistake with the credit bureaus and ask for the late payments to be removed from all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. 

Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. 

Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : 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 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

To Whom It May Concern : Hi, my name is XXXX XXXX. I am writing because the following items I have attached are items in my report that I need removed. I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. I have already reported my identity theft to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank you!