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

I am writing to dispute the late payments that have been reported on my credit report. I recently obtained a copy of my credit report and noticed that there are several late payments that are affecting my credit score. Upon reviewing my records, I have found that these late payments were due to circumstances beyond my control, and I would like to request that they be removed from my credit report. 

The late payments in question were caused by a temporary financial hardship that I experienced last year. During this time, I was a full-time student, and I relied on financial aid to cover my living expenses. Unfortunately, due to a delay in the processing of my financial aid, I was unable to make my payments on time. Although I have since graduated and have been making timely payments on my accounts, these late payments are still showing up on my credit report and negatively impacting my credit score. 

I have attached documentation to support my claim of being a full-time student in XX/XX/2019, which was the time period in question. This documentation should serve as proof that my inability to make payments on time was due to my student status and the delay in my financial aid processing, rather than my negligence or inability to pay.
Product: Checking or savings account

I opened the Huntington XXXX XXXX XXXX  checking account on XX/XX/24 with my initial deposit of {$20000.00} as a medium of check, which was the requirement amount for the opening bonus. After XXXX, I was advised to get {$1000.00} as a opening bonus. But, still, nothing is deposited as a bonus. 
Since mid XXXX, I've called in nemerous times for this and did submit the investigation. 
Several customer reps I've talked with over the phone all agreed on my 'meeting the opening bonus requirement '. That's why they resubmitted the investigation since the first result says that I do not meet the requirement. Unbelievably, they decided that I failed to meet the requirement on XXXX, which was XXXX  month earlier than the XXXX time frame. 
I think it is absurd to accpet their decision.
Product: Vehicle loan or lease

Citizens Bank reposed the vehicle and has left the loan balance on my credit report. When I purchased the vehicle, a week after I had been driving it, they sent me and added a $ XXXX Finance charge, that was never discussed at the signing table.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX  XXXX  Account # : XXXX & XXXX XXXX XXXX Account # : XXXX XXXX  Account XXXX XXXX XXXX, XXXX & XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, on XX/XX/year> and on XX/XX/year> the Bank processed wire transfers that we did not authorize. The amounts were : {$4900.00}, XXXX, XXXX, $ XXXX. 
On XX/XX/year> and XX/XX/year> the Bank cancelled two other wire transfers, {$4900.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. On XX/XX/XXXX we went to our branch to complain about the wire transfers that we did not authorize and to close our accounts. The Bank told us to call the Wells Fargo main number, which we did. We talked to a bank representative on the telephone and asked to close our accounts and complain about the unauthorized wire transfers. The bank representative froze our accounts and told us we needed to go to the bank to close our accounts, which we did the next business day and at time we filled a formal complaint with Wells Fargo Bank. Subsequently the bank wrote to us telling us these unauthorized transferrs where not their fault. These wire transfers were sent to a bank account in XXXX XXXX. On XX/XX/XXXX the Bank told us nothing could be done about these wire transfers because the money was no longer in the XXXX XXXX bank account.
Product: Credit reporting or other personal consumer reports

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A XXXX XXXX CREDIT CARD I WOULD LIKE FOR THE CARD TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637BXXXX CARD # XXXX OPENED XX/XX/year> INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Product: Credit card

I was notified on XXXX, XX/XX/XXXXXXXX XXXX  via email from Capital One that an application was submitted in my name. I was also notified by my security App XXXX that a hard inquiry was placed on my credit report. I did not authorize this credit card application, nor did I apply. I placed a freeze on all of my credit via the bureaus and contacted Capital One and XXXX to place fraud alerts on my credit report and dispute the hard inquiry due to fraudulent activity/identity theft. I was notified by the XXXX representative to file a police report and a report to the FTC, thus leading me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Balance : -.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 an 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 then records of convictions of crimes which antedates the report by more then 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: Debt collection

Military Deployment XXXX XXXX XXXX My wife was deployed with the XXXX XXXX to another country. During this deployment, our pharmacy XXXX Pharmacy billed all prescriptions through XXXX, which XXXX accepted. Upon return from deployment, XXXX claims that XXXX should have been the insurer and sent the bill back to XXXX Pharmacy. XXXX Pharmacy attempts to collect from us, so we manually bill XXXX. XXXX claims not to have a contract with XXXX during the time period above and refuses to pay the bills from the pharmacy. 

The bill is for XXXX, which is now handled by " Receivable Management Services LLC '' as the debt collector. I have contact all XXXX parties ( XXXX, XXXX, XXXX ) and explained the timeline, but they have all refused to assist.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

Account Name : XXXX XXXX, formerly known as SIMPLE Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy.

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows as being opened XX/XX/2017 & another previous year. Account shows two different Balances on the account. Account is reporting as two different companies, two different debts. Account was reinserted with a higher amount. Account is updating every month bringing my score down with inaccurate information. I disputed this in writing certified mail & Equifax did not respond to this dispute within 30 days. Equifax also continues to change my address without my consent making it hard for me to identify myself when I call. I have been a victim of identity theft 3 times & this bureau Equifax does not help me or abide by the Fair Credit Reporting Act. Equifax also deletes positive accounts. This account is double jeopardy & double damaging to my credit file. I CAN NOT get a auto loan with a loan over {$20000.00} reporting as a fresh debt every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF.I DO NOT HAVE A THIRD THIRD PARTY. I AM STATING THIS BECAUSE I HAVE RECEIVED REPLY BACK WITH A STALL TATIC THAT THEY USE TO PROLONG THE PEOCESS AND I WILL USE ALL DOCUMENTS IN EVIDENCE IN MY LAWSUIT. I HAVE SUBMITTED NUMEROUS LETTERS ON NUMEROUS OCCASIONS TO COMPANY AND CREDIT BUREAU AND ISSUE WAS NOT RESOLVED EXPLAINED OR VERIFY AT ALL!!! I WOULD LIKE THESE UNAUTHORIZED/FRAUDULANT INQUIRIES AND ACCONTS AND ADDRESS REMOVED FROM MY CREDIT PROFILE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I tried to freeze my credit with Experian. I went to : https : //www.experian.com/ncaconline/freeze # registration I have tried the process several times. After entering all the correct responses, I get a page that says We are unable to honor your request at this time. They want me to snail mail sensitive information to an address. So, I called them at XXXX XXXX XXXX XXXX. It took me through a phone menu for Credit Freeze. At the end of the menu, it says to please go their website. 

I have Frozen my credit with XXXX  and XXXX  with no problems. It was quick, simple, and painless. I am asking for Experian to do the same. I have spent countless hours trying to resolve this. No one at Experian will talk to me. Please help!
Product: Credit reporting or other personal consumer reports

My Equifax score is not reflecting on myXX/XX/XXXX account.
Product: Credit reporting or other personal consumer reports

Collection account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

The following account is not my account American first finance. XXXX Remove this account because is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. Please help me Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - XXXX XXXX XXXX - XXXX   XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a cancellation with XXXX for 4 trips ; XXXX emailed me on XX/XX/XXXX stating all the charges done end of XX/XX/2019 of {$280.00}, {$200.00}, {$91.00} and {$360.00} were processed back onto my credit card on XXXX. 

I never saw it come back onto my c/c I constantly wrote and emailed Citibank too asking why didn't they give me the credit. I had to file a claim with CFPB over this # XXXX too! 

I received a call on XX/XX/XXXX XXXX from XXXX XXXX in the Direct Executive Office, phone # XXXX, email XXXX. 

She said that the credit was given on XX/XX/XXXX ( so who was lying Citibank or XXXX over this XX/XX/XXXX original credit date? ). Then she said that 'their system backdated the credits to XXXX - which technically isn't correct to basic GAAP accounting procedures either. 

She said that their staff, XXXX on XX/XX/XXXX at XXXX via Citibank portal chat, didn't do their job correctly when she said that they would send me a check for the refund check that amount. That there was an override that would have to be made. 

XXXX said that within 24 hours which would be XX/XX/XXXX, that the full amount of the above 4 charges would be transferred into our personal checking account. 
I emailed XXXX the information she requested regarding XXXX XXXX email ; which was sent XX/XX/XXXX at XXXX. 

Guess what XXXX lied too - there are no funds into our account as of this morning XX/XX/XXXX 6 days later from the first contact with XXXX. 

If we don't have it within 7 calendar days after filing this claim, we will sue Citibank within small claims court ; as they have had our money since XX/XX/XXXX and are refusing to send it back to us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account # XXXX last year Subject : Request for Account Information Dear [ Creditor 's Name or " Customer Service Department '' ], I hope this letter finds you well. I am writing to request specific information regarding my account with your organization, which has been charged off.

Please note that I am not disputing the validity of this charge-off ; rather, I am seeking clarification on the following dates pertaining to my account : 1. Date of First Delinquency 2. Date of Last Activity 3. Date Charged Off This information is important for my records and for any future financial planning. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

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

THESE INQUIRIES DONT NOT BELONG ON MY REPORT 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX OR THIS ADDRESSS XXXX XXXX XXXX XXXX TN,
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit card or prepaid card

In XX/XX/2022, Capital One, contacted me attempting to collect an alleged debt pursuant to 15 USC 1692a ( 6 ). I am a federally protected consumer as defined in 15 USC 1692a ( 3 ). This consumer credit transaction is specifically for personal, family, and household purposes. In accordance with 15 USC 1692g ( b ), I am demanding verification of this alleged debt. This is not a request for proof of my mailing address. Cease all attempts to collect this debt until verification, or judgement, or the name and address of the original creditor is mailed to me the consumer. 

I filed my Notice of Dispute on XX/XX/2022 with certified mail receipt no. XXXX I sent a follow up letter on XX/XX/2022 with certified mail receipt no. XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnishers, accepting unreliable responses. and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account. As Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureau has failed with the following : NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 

Experian has stated they have verified a past due with XXXX XXXX XXXX. In fact I received a letter from XXXX XXXX XXXX whereas they have also failed to provide me adequate proof of any late payments on my account. 

Experian has failed to remove this inaccurate information.
Product: Credit card

RE Capital One 's Account XXXX : The complainant is a subscriber to monthly credit report monitoring. Recently, XXXX entries from Capital One appeared out of the blue on my credit report. 
These entries have been extremely damaging and have had a negative impact on my credit score and to my ability to obtain financing. 
Several written inquiries to the respondent have been issued including by counsel, and they have refused and continue to refuse to withdraw the derogatory information. 
I wholeheartedly dispute their entries ; I was a victim of identity theft, the respondent has not verified the account, and furthermore the entry on my credit report by them is beyond the legal each the statue of limitations : ' '' Account Last active in 2009 ''.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on multiple occasions regarding an inquiry from a company XXXX XXXX XXXX I do n't recognize this inquiry have never gave them permission to pull my credit report. They have failed to investigate in to this matter for me and send me validation of why this inquiry was placed on my credit report. They continue to send me their generic response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Texas. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Credit card or prepaid card

In XXXX I used my Apple Card to buy an XXXX. I had to cancel because I wanted to update the specs and ever since then I've been having problems. The card will not let me pay off the balance shown in my digital wallet. They say there is some thing pending but no one can find it and it's been almost XXXX weeks and I haven't heard anything. If I call Apple Card they say my balance is XXXX with {$170.00} pending, that pending has been around since XXXX. Can you please help this is so frustrating. No one had an answer.