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

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX Company Inquiry : XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is NATIONWIDE RECOVERY SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONWIDE RECOVERY SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONWIDE RECOVERY SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONWIDE RECOVERY SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NATIONWIDE RECOVERY SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. NATIONWIDE RECOVERY SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I requested on XX/XX/2023 that the following hard inquiries be removed from my credit report because I did not give these companies consent to pull my credit report. 
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 in return the sent me a letter dated XX/XX/2023 stating that the inquiries are factual, which they are absolutely not. with a copy of my credit report showing that i do not have any accounts with the following companies listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left XXXX for another phone provider, while doing so I had a payoff amount for the phone I had at the time of about {$190.00}. Rather than return the phone to XXXX I chose to payoff the device to use with the new provider. This dollar amount was verified multiple times, with XXXX  over the phone as well as on my acct app, to be correct. However, after closing my account they decided to charge me about {$900.00}. After speaking with multiple representatives they all refused to honor the original device payoff. Then after XXXX  collections harassing me for months, they called me and told me they were no longer going to pursue this due to them realizing/ finding the proper paperwork showing what I actually owed. Collection attempts stopped for over 2 years and now they are again trying to get the $ XXXX dollars and reflecting that to my credit report. During every interaction with XXXX and their debt collectors, I have offered to pay what I truly owed and was only offered to pay that amount as a settlement. I declined this as I do not want a settlement/ not paid in full acct on my credit report when that is not the case. 

Furthermore, I have reached out to the new debt collector, XXXX. XXXX, XXXX, who can not even locate any information saying I owe l anything which leaves me no avenue with the company falsely reporting to my credit report to even attempt to correct it with said company.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR TRANSUNION, There is information on my consumer report that is a result of identify theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. my request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
Account name and date are listed below! 
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

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Vehicle loan or lease

I am writing this letter in order to request your help and understanding. Back in XXXX, XXXX [ when the negative items was listed on my auto loan ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un der 15 USC 1681. 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, 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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX authorized online XXXX XXXX XXXX charge {$13.00} to Citi Credit Card. In XX/XX/XXXX, discovered a merchant Id never done business with nor heard was making multiple charges to my card of XXXX. Called Citi Security. They chose to immediately cancel card. Got new card reissued XX/XX/XXXX. Citi decided to deny fraud & transferred unauthorized amount 2 new card, which I refused 2 pay, creating past due status, charging multiple late fees, multiple interests charges & reporting delinquency to credit bureaus, ultimately destroying my creditworthiness & lowering my credit limit line 2 {$800.00}. In XXXX, while very ill & many life altering issues ongoing, my credit card balance was paid 2 stop the bleeding. Ive made many, many calls 2 Citi. Have got most of Late Fees & interest charges reversed. Yesterday I was given & XXXX courtesy credit. But heres the unresolved issue. Ive twice called the company that made multiple charges ( XXXX XXXX XXXX ) to be informed theyve never received a cent from Citi. They closed their account showing fraud under investigation. So I paid full amount 2 Citi who never sent a XXXX to  so-called merchant, yet they cant tell me where the money is & how theyre going 2 get it back to me.
Product: Credit card

On XXXX XXXX, I called my credit card company to get a payoff. I paid off the account per the amount that was told to me. On XXXX XXXX, I received a statement saying I owed money. I called, and they told me it was because I was only paying the minium amount that was due and it was because I paid it off after my due date. They would not waive the amount and keep telling me they can not do this and that I owe that money. Again, arguing, I called for a payoff on XXXX XXXX, the amount I paid is what I was told to payoff the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # 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
Product: Credit reporting

EXPERIAN HAS XXXX XXXX INQS LISTED, THERE SHOULD ONLY BE XXXX DATED IN XXXX THEY WILL NOT REMOVE THE OTHER EXPERIAN WILL NOT REMOVE NAMES NO LONGER ASSOCIATED WITH ME SPECIFICALLY XXXX EXPERIAN WILL NOT UPDATE MY FRAUD NUMBER TO XXXX XXXX EXPERIAN WILL NOT REMOVE THE RBFCU FRAUD ACCOUNT EXPERIAN WILL NOT PROVIDE ME A COPY OF MY FULL FILE DISCLOSURE
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I attempted to log into my Barclays account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.
Product: Vehicle loan or lease

This account is in dispute since the car has not been I. My possession for over 6 weeks. Its been at the dealership since XX/XX/2023.
Product: Checking or savings account

US Bank closed my account. I cant access funds and I need to pay my rent.
Product: Debt collection

I am being sued in the wrong venue by a law firm claiming to be a debt collector. According to the FDCPA the proper venue for this debt is the district court. This law firm does not have a valid contract after askiing to validate the debt and is now filed a complaint in a state court. This is a violation of the law. 

They also ignored my requests to produce the contract and have not done so.
Product: Credit card or prepaid card

I have been trying to set up an on line account to use my XXXX rewards points and no matter what I use for a password I get the same error message. I have been a loyal card holder for many years and wish to get my rewards point cashed out and close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have had wild fluctuations on my credit score for no apparent reason. My balances are low, I have a long credit history and no delinquencies. Nonetheless my Trans Union credit score dropped 57 points this month. This continually happens to me. My credit score went from XXXX  to XXXX  with no apparent reason. XXXX  reduced my credit score from reduced my score 53 points to XXXX. All my credit factors remain positive. 99 % PAYMENT HISTORY, 19 % CARD UTILIZATION, 0 DEROGATORY MARKS. Just not fair that these credit agencies are playing ping pong with my credit score.
Product: Mortgage

I had a short loan from Green Tree XXXX now Ditech Financials. I was getting monthly statement from them since XX/XX/XXXX till XX/XX/XXXX that stated that I do n't owe them any money ( Principal or Interest ) to them till XX/XX/XXXX as I overpaid in XX/XX/XXXX. I can send proof of Statements. Statement says no Principal & No Interest till XX/XX/XXXX. 
In XX/XX/XXXX as I was going to be charged Interest again I paid out $ XXXX balance and was waiting for their closing statement, when they told me I still owe them {$4200.00} as I had not paid any principal in last two years. My loan was interest only loan.
Product: Student loan

My Loan balance is incorrect, and I would like to request a hearing. This is a legal request that has to be given to me by the creditor of my student loan balance in which my account manager XXXX XXXX denied me. I will be speaking to my attorney on this matter. Also, his collection tactics were extremely rude, and unprofessional. I am being charged 13.12 % interest on an original balance that was not even specified to me with the form I will attach to this message. All that was specified to me is that I paid {$4500.00} in interest, and {$680.00} on my principal. My loan was around {$4500.00} when I initially started the loan. I know Navient collection agency is trying to rip me off because they say the loan is in default. I have proof that I have been paying the loan pretty much every month since 2010. Please help me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un der 15 USC 1681. 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 reason able cause to believe that the information is inaccurate.
Product: Student loan

I been paying a lot of money on my student loans for about 3 years, about 600 dollars and I have n't even been able to get a job for the specialty that I graduate from. I have to get two jobs to get by with my personal expenses and student loans.
Product: Credit card or prepaid card

The company ( ies ) ; Capital One, XXXX, & REI were contacted by me on multiple occasions. When I first received the card in XXXX it had the Capital One World Elite XXXX XXXX to Benefits with it. I still retain a copy of this. I called to specifically ask them about the XXXX XXXX XXXX XXXX XXXX as I was planning a trip. I was bounced around between Capital One and XXXX indicating that they would get back to me. The following month before my trip I tried again and again was not getting this service that was indicate as part of my card benefits. I finally had to go on my trip without these. But the final straw was in using the card a few times during my travels I was supposed to get {$100.00} gift card from XXXX. I called them ( Capital One & XXXX ) and was told that it would come in XXXX. It never arrived. In addition to this the statements that I received from my charges ( which I always pay promptly at end of period ) showed different XXXX interest rates from what I was told I would get upon opening the card account. I was told my card account interest rate would be 18 %. My first statement that came in XXXX ( for XXXX charges ) showed an APR of 22.49 %. The next statement that came in XXXX ( for XXXX charges ) showed an APR of 23.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened an account in my name This is not my account please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Have had difficulty resolving a dispute with my credit report involving an account with XXXX XXXX. I am a victim of identity theft. Requesting my credit report be updated to reflect accurate information. Please note I submitted information prior and Equifax has not timely resolved this.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

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 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 XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting or other personal consumer reports

Capital One Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX, and Pennsylvania XXXX I am writing to file a formal complaint against Capital One located at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others. 

Capital One has inaccurately reported an account on my credit report as charged-off. However, this account was charged off and subsequently sold to a debt collector. Given that Capital One no longer owns this account and has been compensated for it, the persistence of this trade line and/or data point on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/2018, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Capital One is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Capital One to rectify any inaccuracies found.

Capital One 's refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Capital One to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.