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

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity of the account XXXX XXXX XXXX Balance : {$66.00}. I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I called XXXX XXXXXXXX XXXX and enrolled my credit card in their Coronavirus XXXX XXXX ( enrollment screenshot attached ). Enrolling in this program meant that I would not need to make a payment for two billing cycles. However, a late payment was reported in error to TransUnion regarding my XXXX XXXXXXXX XXXX credit card in XX/XX/XXXX. 

Ive disputed this late payment with XXXX XXXXXXXX XXXX and TransUnion multiple times in XXXX and XXXX. I sent my first dispute letter to TransUnion in XX/XX/XXXX. They investigated the dispute, but did not remove the late payment from my records. 

In XXXX of XXXX, I sent a dispute letter to XXXX XXXXXXXX XXXX and received a response dated XXXX XXXX ( response attached ). In their response, XXXX XXXXXXXX XXXX stated that if I had an issue with how my account was being reported, that I could dispute the information directly with the consumer reporting agencies. 

I then mailed out more dispute letters to TransUnion in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( USPS signature receipts for last two disputes attached ). These disputes resulted in one credit bureau correcting the late payment error ( XXXX ), but TransUnion still shows the incorrect information ( late payment on credit report attached ). 

My partner was diagnosed with, and passed away from, having XXXX at the end of XXXX. So, needless to say, I was not focused on disputing this error further in XXXX. However, I am now trying to correct this false information once again via this complaint. 

I feel that it is immoral that XXXXXXXX XXXX XXXX offered enrollment in a relief program during one of the toughest times weve experienced in recent history, and they are not honoring the parameters of that program. I also believe that TransUnion is being negligent in their refusal to remove the late payment error. This incorrectly reported information has, and continues to, affect me negatively. This is a violation of the Fair Credit Reporting Act, and this disputed information may not appear on my credit report.
Product: Consumer Loan

In XXXX of XXXX, I purchased a Mercedes XXXX with a consumer loan from Mercedes Benz Financial. The loan was paid off with 2 years. I recently went to trade in the Mercedes on another vehicle only to discover the title I had still had the lien on it. I contacted MB Financial and asked them to send me another copy of it. They refused to do so without a letter and a {$20.00} fee because of " the amount of time that had lapsed since that account had closed. '' I was informed that a copy had already been sent to me. However, I provided documentation that not only did I not receive a copy, the Oklahoma Tax Commission had not received a copy. I had a printed letter from the OTC dated XXXX XXXX that the lien was still in place. I informed them that the Tax Commission required that lien releases be filed within 7 days or the company or be subject to fines. I was told it did n't matter and that I would still be required to pay the {$20.00} and request in writing the release. All of this delayed an already consummated business transaction to trade the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a bill from XXXX XXXX for {$280.00}. Because I had no idea why a bill was sent into collection I researched this charge to discover it was a purchase made at Macy 's Dept. Store on my Macy 's charge for {$20.00} due XX/XX/XXXX. Prior to that purchase, I had a XXXX balance on my Macy 's account and history will demonstrate that my bills were always paid on time. I had moved prior to making that purchase and had completed changes of address, but for some reason, I never received this bill, so it accumulated fees totaling {$260.00}. I sent a letter dated XX/XX/XXXX to XXXX XXXX and to DSNB explaining that the fees were unreasonable due to never having received the initial bill and that I am willing to pay the charge of {$20.00}, but not {$280.00}. In XX/XX/XXXX, I received another bill from XXXX XXXX XXXX willing to resolve this matter for {$200.00}. I am unwilling to pay more than the initial charge since I had never received a bill ( but was able to receive the collection bills ). I wrote another letter to XXXX XXXX dated XX/XX/XXXX. My hope is to resolve this bill for the initial charge of {$20.00} and have it cleared from my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I have a charge off for XXXX XXXX and charge off for XXXX XXXXXXXX XXXX XXXX XXXX and a fraud for Capital one and another fraud that I didn't authorize was XXXXXXXX XXXX XXXXXXXX these account are all showing up on my credit report.i would like them to be deleted as it is affecting my credit score
Product: Vehicle loan or lease

Hyundai CAPITAL AMERICA, commits fraud by stating that I, XXXX XXXX, didn't request debt validation from it, by stating this to CFPB : " In their complaint, XXXX XXXX XXXX states Hyundai Motor Finance ( HMF ) is refusing to validate his debt. XXXX XXXX requests HMF provide internal bookkeeping records. Upon receipt of XXXX XXXX complaint HMF has completed a thorough review of XXXX XXXX account and has no record of previously receiving a request to validate the debt from him. A debt validation letter will be sent to XXXX XXXX at the address on this complaint and a copy of his retail installment sales contract is attached to this response. '' I, XXXX XXXX, state that I requested debt validation 2 times! already. Please view USPS return cards that it was delivered and signed!

ABSOLUTE FRAUD!!!
Product: Checking or savings account

I was paid by check for writing music for someone and i deposited the check and they said the check wasnt real and i had no clue. I was banned from navy federal
Product: Money transfer, virtual currency, or money service

A unauthorized company, XXXX XXXX debited my PayPal account {$4.00} and {$83.00}. I noticed it right away and notified paypal. Pay pal refuses unauthorized transaction refund because they suggest the purchase is consistent with others in the account. I don't even know what this company " XXXX XXXX '' is all about.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, my personal information were compromised by By XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( including several other companies ). My private information that was released on the dark web included. My full name, mailing address, social security number, my phone number, date of birth, and credit card number. Unaware of the data breach. I wasn't able to take full action quickly to protest my credit. Furthermore, there are inquiries on all three credit reports I didn't authorize. I'm requesting assistance in this matter. To remove these quickly and efficiently. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XX/XX/XXXX-XX/XX/XXXX, I have filed and sent several letters to the credit reporting agencies of fraud accounts. I have submitted copies of police reports and identity theft affidavits. The fraudulent accounts are ( 3 ) XXXX XXXX  accounts, 2 XXXX  XXXX accounts opened XX/XX/XXXXwith balance of {$900.00} and account opened XX/XX/XXXX with balance of {$460.00}, Account with XXXX XXXX, and account with XXXX XXXX. I recently filed complaints with all said companies for reporting inaccurate information. However Experian and XXXX both are still reporting these accounts after several communications with them that I never opened any of these accounts.
Product: Checking or savings account

I have contacted Chase fraud division every day for a week for unauthorized fraud charges, yet they continue to allow the charges to be paid, then I have to get the vendor to credit my account as Chase has done nothing to stop the charges or refund me. I have given them 5 screen shots of the person who is doing it and Chase still has not done anything to stop this person and the charges continue every day. I want all the fraud charges removed today.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violates 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 inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I recently recieved three separate notices with three different account numbers and a name I do not use with the U.S. Department of Veterans Affairs from the CBE Group XXXX requesting {$43.00}. I do not owe this debt and disputed it last year. I have a debt with the VA for which I pay no less than {$20.00} per month with no complaints. I want these fishing expeditions by CBE Group to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it has two addresses that I never lived at. I never lived at XXXX XXXX XXXX, XXXX, Florida XXXX and I never resided at an address that has an identification number XXXX on my Experian Credit Report and I want both addresses deleted from my credit report.
Product: Credit card or prepaid card

I have to say first my ID was not stolen but there was no other selection on this site that fit what has occurred. I applied for an Avant credit card on XX/XX/2023. I was approved and an offer was made. I did not accept the offer, nor did I activate the card. I received an email today, XX/XX/2023, that I owed {$39.00} which is what the annual fee is. The reason I did not accept the card or activate the card is because of the annual fee. I spoke with a rep who stated they could close my account. I reiterated that I never opened an account. The rep then stated that it is Avant 's policy that when a customer is approved they open the account. I explained again that I never authorized the opening of the account and I never activated the card so no account should have been opened and I also stated that this seemed to be a fraudulent practice. I work in the mortgage industry and we approve clients all the time but that does not mean that an account is just opened and we give them the money. I asked to speak with a manager. I was told the manager was already on an " involved '' call. I explained that I would wait. The rep stated that they had other calls to take and again I advised that I wanted to wait on hold and this call with me was not resolved so the other callers, unfortunately, would have to stay on hold. The rep proceeded to put me on hold and never came back. I made two additional calls and was also placed on hold and was told I was being transferred. I am currently on the phone with them again right now and being transferred to a manager for the second time as the first time the call was disconnected. They are advising me that I owe a pro-rated annual fee for the amount not used. I never authorized an account to be opened in my name and I never activated the credit card. This seems to be a very fraudulent practice. I have now spent well over an hour of my time trying to resolve this and am still on hold. I never signed any documentation authorizing any of the actions that Avant has made and I never activated the credit card. I applied, was approved, and did not like the terms- so I didn't activate the card thinking that would be the end of it as it is with every other credit card I have ever applied for. After 1 hour and 27 minutes I finally was able to speak with a manager and within 45 seconds was advised that the {$39.00} would not be charged because I never activated or used the credit card but it would report that I opened and closed the credit card.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

am writing to follow up on my previous communication regarding discrepancies in my credit report. This is my second written request regarding the matter. 

Despite my previous inquiries, the unverified items on my credit report have not been rectified, which is in direct violation of Federal Law, specifically the Fair Credit Reporting Act ( FCRA ). As per the FCRA, you are obligated to possess a copy of the original creditor 's documentation to verify the accuracy of the information being reported. However, I have not received any documentation from you as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, including a consumer contract bearing my signature.

In response to my previous investigation request, you stated that the items in question were " verified '' to be reported correctly. I am now questioning the validity of this verification process. Who exactly verified these accounts? And based on what evidence?

Under Section 611 ( 5 ) ( A ) of the FCRA, you are mandated to promptly delete any information that can not be verified. Since you have failed to provide me with the necessary documentation to verify these items, it is imperative that they are removed from my credit report immediately. 

I expect a prompt and thorough resolution to this matter. Failure to comply with the FCRA regulations will result in further action being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries made by companies knowing I didnt qualify for what they were offering. Credit card, Morgage loan, ect.
Product: Checking or savings account

I tried to use my debit card it was declined and Chime told me they suspected fraud and my account was suspended or locked. I cant access my funds on line and every time that they are looking into my issue and tho call back in XXXX days that was on XX/XX/22. I keep calling every day but they keep telling me its in the fraud department and they can only be reached through email. I have emailed them but with no respond except its being reviewed. I have bills to pay, I have children to take care of. I cant do anything without my money. At this point I would like to withdraw all {$11000.00} of my money and put it in a real bank because this is stressing me out that Ive been in the hospital for 2 weeks. Please help.
Product: Credit reporting or other personal consumer reports

Capital Management Services , LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # 8267, which you claim I owe {$1200.00}. This is formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I XXXX XXXX sent a debt validation letter to XXXX XXXX for an alleged debt owed. On XX/XX/2021 they breach my right to privacy which is a violation of 15 usc 1681 with a false certain and deceptive form. Which is a violation of 15 usc 1692J and 18 usc 1341. I never did business with this company so I don't know how they got my personal information which is a violation of 18 usc 1028. In this form I received they told me that it was an attempt to collect a debt. Which is a violation of 15 usc 1692b ( 2 ). Also they had their logo in the contents which is a violation of 15 usc 1692b ( 5 ). They also harmed my reputation by reporting this false information on my consumer report which is a violation of 15 usc 1692d ( 1 ). They also used obscene language by telling me I owe an alleged debt and this was an attempt to do so, which is a violation pursuant to 15 usc 1692d ( 2 ). They also tried to make me pay the alleged debt by advertising it on my consumer report for companies to see, which is a violation pursuant to 15 usc 1692d ( 4 ). Since I know deletion is admission, I now that they know they violated me. Every attached document, I have also sent to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Information on my credit report is incorrect, these are the accounts. 
Account name=XXXX XXXX Bank Account number XXXX. 
Account name=XXXX XXXX Account number XXXX Account name=XXXX Account number XXXX Account name=XXXXAccount number XXXX. 

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have FAILED to correct the errors you are reporting on my credit report. Now is not the time to update. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent an investigation letter via certified mail ( XXXX ) regarding a XXXX Day Late Payment reporting on my XXXX XXXXXXXX account ( XXXX ) to Equifax. This is inaccurate and should not be reported as I had previously entered into forbearance during that time. I noticed that the remarks are still reporting on my credit report inaccurately. This is a gross inaccuracy and can not be true as the date of delinquency and period of time remarks are inaccurate and inconsistent across the XXXX credit agencies. Additionally, Equifax is reporting this remark TWICE on my credit report making a gross error across my credit profile. The number of inconsistencies alone is grounds under the Fair Credit Reporting Act. 

Additionally, this reporting violates my rights under 15 USC 1681s-2 ( XXXX ) as I had entered a forbearance with the creditor, XXXX XXXX, at that time. I was never late on this account and have paid on time. Enclosed please find communication from the creditor back in XXXX confirming approval of a deferred payment. I have requested that Equifax provide me with proof and verification and have received none of the requested items. 



Therefore it should be updated to report as ON TIME and the XXXX Days Late removed. As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into this multiple late payment to verify its accuracy. If this late payment can not be verified, it should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ). The FCRA grants me the right to request the method of verification under XXXX5 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( XXXX ). Enclosed please find communication from the creditor, XXXX XXXX, verifying my forbearance in XXXX and noting my due date for the next payment would be XX/XX/XXXX. I would like swift and immediate action to correcting this as inaccurately reporting on my credit report has disproportionately impacted my financial stability over the past XXXX years.
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX  in 2016 and was made to understand i was getting an interest free loan from XXXX for 24 months. I was told it was a promo to encourage customers to purchase furniture. I signed up to this loan and the lender was synchrony bank. To my surprise i recently discovered when i wanted to pay off the loan that it was a 12 months promo and that most of my last years monthly payment went to interest. I want you to kindly investigate this. I am happy to pay off the loan today, but i want a fair closing amount. I owe XXXX presently on a XXXX principal, that i have paid over {$4000.00} on over the years. Please kindly assist