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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 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 or other personal consumer reports

I have filed multiple complaints in reference to my federal consumer rights being violated by XXXX, XXXX, and Experian due to their reporting on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did some dispute on my XXXX prepaid card over the phone the guy was so unprofessional i was telling him each unauthorized charges and seems like he was ignoring me then he said ok thats it. And then he said ok u will receive an email of your dispute that was around XX/XX/XXXX until now nothing have I recieve in my email this is worst service ever even to get to someone it send u back and back or just hangs up aftet i try to talk to soemone this is ridiculous
Product: Credit card

This complaint is in response to an initial CFPB complaint XXXX regarding sold accounts being continuously reported by COMENITY BANK XXXX COMENITY BANK stated that they have verified that they are lawfully and accurately reporting the accounts that they have sold to XXXX XXXX XXXX XXXX on my credit reports and refused to remove the accounts. I believe this is both false and damaging to my credit report and reputation. According to the Fair Credit Reporting Act ( FCRA ) the information must be accurate and up to date. The FCRA emphasizes fairness and accuracy of credit reporting under section 605 of the Fair Credit Reporting Act ( FCRA ). It is not fair nor is it accurate to report an account when the account no longer belongs to you. This would make the reporting of the account inaccurate and abusive. A violation of 15 USC 1692s-2 ( a ) ( 1 ) ( a ). This a clear tactic to keep me from challenging the debt with the debt collector during the debt validation process because you are still reporting the account on my credit report. This behavior is deceitful and there are in fact penalties for such behavior. This is a violation of the Fair Credit Reporting Act and a violation of the Fair Debt Collection Practices Act. Lastly, I did not receive a letter from you in the mail responding to my previous attempt to dispute. Please provide the certified tracking number and receipt with my name and or signature on it as proof of such communication. My dispute letters were delivered XX/XX/2024. It has been over a month, and the initial complaint through the CFPB per the complaint number referenced was our first time communicating. I did not receive any disclosure, updates, results, or any response whatsoever regarding the investigation you allegedly performed when I mailed off letter to dispute the accounts on XX/XX/2024. Here is the certified tracking number showing proof that I did dispute the accounts : # XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX XXXX. Please provide me the information of how you verified these accounts and that you are reporting this account accurately in accordance with the Fair Credit Reporting Act. Creditors typically remove accounts they have sold to collections otherwise it would be out of compliance for inaccurate reporting. Reporting false information deliberately is also an act of fraud 18 USC 1001.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed, I've sent documents for those inaccurate and incomplete information on my credit report dated XXXX but until today I haven't received any response. I demand that all those account will be DELETE on my credit report. Or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX XXXXXX/XX/XXXX I hit a deer and my insurance totaled the car, insurance paid the car off and they reported that I was behind on my payments which made my score drop big time, they settle the claim in XXXX, so how was I behind on my payments when my insurance already paid them off. Bridgecrest is the company I finance the car with. And it said on my credit report that it was paid off. XXXX dollars. That's not right
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of the following accounts on my credit report, which I believe are not mine : XXXX XXXX XXXX XXXX  OFFICE OF THE ATTY GEN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), I am entitled to privacy regarding my credit information. These accounts have been reported to credit bureaus without my consent or authorization. Specifically : Right to Privacy : 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy concerning my credit and personal information. The presence of these accounts on my credit report is a clear violation of my rights under this section, as they are not mine and should not have been included. Furnishing of Information Without Consent : Under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing an account or credit information without my explicit written instructions. I did not provide any such written consent or instructions for the reporting of the above-listed accounts. I request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that these erroneous accounts are removed from my credit report. I have attached copies of my credit report and any relevant documentation to support this dispute. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me.
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and US Bankruptcy Court 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 15 U.S.C 1681b : Permissible purposes of consumer reports
Product: Vehicle loan or lease

I have a vehicle loan through Exeter Finance. I am behind on payments and have gotten multiple calls a day every day. I let them know it was because in XX/XX/year> our water heater had a gas leak and the bill to repair it and the increase on my power/gas bill put me behind on everything. 

I made a partial payment on XX/XX/XXXX and told them on the phone I would make another payment on Friday, XX/XX/XXXX. I would still be behind, but I wouldn't be at risk of my car being repossessed. 

I got paid XXXX EST on Thursday, XX/XX/XXXX. As soon as my deposit hit, I tried to pay online. I received the following message : Based on your current account status, we are unable to accept an online payment at this time. Please contact customer service at ( XXXX ) XXXX. 

I called Exeter but their offices had already closed for the day. I tried to chat hoping they'd have a chatbot or something to at least get automated suggestions for their help center, but they don't have that function. 

Sometime between going to bed on XX/XX/XXXX and taking my daughter to school on XX/XX/XXXX, they repossessed the car. No paperwork was left so I have no idea where my car is to retrieve very important personal items. My daughter 's car seat and my wallet, with my debit card and license, are still in the car. 

Even though I tried to pay enough to prevent it, the company made it impossible to pay between the hours of XXXX CT and they repossessed my car during those hours the night before I told them I get paid and would make a payment.
Product: Credit card

XX/XX/XXXX I went to XXXX XXXX to get my teeth checked and they offered XXXX XXXX XXXX XXXX XXXX. They said the total would be {$1000.00} and that I could sign up for a credit card through CareCredit ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) if I needed a payment plan, which I did. So I signed up. I started getting monthly bills but never received the XXXX XXXX ever. I was so upset for having to pay for a product I never received that I asked XXXX XXXX to cancel the transaction. They said I no longer had any outstanding balance with them so I assumed it was over but then I continued getting bills from CareCredit/Synchrony Bank . I tried to dispute it with CareCredit and explained that I never received the XXXX XXXX but on XX/XX/XXXX they sent a letter telling me they will not settle because the trays are non-refundable. They continue to send me monthly bills to this very day, XXXX  months later, even though I have never received the trays or gum treatment paste.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.
Product: Debt collection

In XXXX of 2022 the major credit reporting agencies including transunion agreed to remove all medical debts under {$500.00}. The account currently in dispute is a medical bill under {$500.00} and should be removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITAL ONE Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Citizens Bank, One Deposit Checking Account # XXXX was overdrawn {$35.00} on ( XX/XX/18 ) by two items paid by Citizens against my account settings, prohibiting overdrafts. I attempted to cover this overdraft that evening, ( XX/XX/18 ) at their XXXX XXXX XXXX, XXXX, OH, XXXX location, which was off-line that evening due to " communications issues ''. 

An overdraft notice was issued to me by Citizens via e-mail on XX/XX/18, and ATM deposits to cover the overdraft were made that day, leaving a positive account balance of {$2.00} until fees were piled on. 

Two {$35.00} overdraft fees for a total of {$70.00} were applied overnight XX/XX/18, again throwing the account into an overdraft condition, because of the service charge fees. An SSI direct deposit of {$550.00} was made XX/XX/18 leaving me with a positive ledger balance of {$490.00}, even after the {$70.00} erroneous overdraft fees had been applied. 

I went to their branch at XXXX XXXX XXXX, XXXX, OH, XXXX on the afternoon of XXXX to clear up this issue, and was directed to their XXXX Customer Service Line, as the branch manager did not have the authority to reverse my overdraft fees. 

After a wait exceeding 12-minutes I finally got connected to Citizens CSR, who then put me on hold for a couple more minutes before a " Supervisor '' who had the power to refund the overdraft fees could be found. She confirmed the technical issues with ATM on XX/XX/18 which prevented my deposit to cover the overdraft, and I was offered and accepted {$35.00} credit for the {$70.00} overdraft fees on XX/XX/18, which was immediately applied to my account, and should have closed the case. 

On XX/XX/18 I found I had been assessed and additional {$30.00} " sustained overdraft charge '' overnight that was posted on XX/XX/18, after our fee credit agreement. I had a positive balance of {$520.00} on XX/XX/18 and would have had a positive balance the whole period XXXX if their XXXX XXXX ATM had been functional and the XXXX XXXX Holiday had not intervened. 

On XXXX
Product: Credit card or prepaid card

On Mon, XX/XX/2020 at XXXX PM, XXXX XXXX XXXX XXXX wrote XXXX Name : XXXX XXXX user Id @ XXXX Hi its been weeks i submitted my DL for verification, i tried calling but my registration is not getting verified its stuck and still says its under review can you please verify ASAP its been 3 weeks ITS BEEN A MONTH I HAVE SUBMITTED A GOOD COPY OF MY DL AND YOU ARE STILL DELAYING IT, I HAVE REPORTED YOUR DELAYING TACTICS TO XXXX AS YOU ARE DELIBERATELY DELAYING REGISTRATIONS DUE TO STOCK MARKET IS DOWN RE : Registration From : XXXX XXXX XXXX ( XXXX ) To : XXXX Date : Monday, XX/XX/2020, XXXX AM CDT Hi the ID was uploaded kindly confirm registration Sent from XXXX XXXX on XXXX On Thu, XX/XX/2020 at XXXX PM, XXXX  Support XXXX wrote : Good afternoon XXXX, It looks like our system didnt accept the ID photos you uploaded because they included an unreadable photo ( too much glare, too blurry, etc. ). 
Im sorry for any delay this is causing! 
Please submit a clear photo of your valid ID through our secure file submission portal here. Once you've successfully uploaded it, go ahead and respond to this email to confirm. 
Heads up : If youre providing a drivers license or state ID card, well need separate photos of both the front and back, ensuring all four corners are showing. If youre providing a passport
Product: Debt collection

XX/XX/2018 I obtained XXXX as my mobile service provider however soon after I initiated service I was unhappy with there network and service that I canceled, switched providers, and mailed back equipment in envenlopes supplied by XXXX. I was then contacted by collection companies trying to collect on a debt. I do not owe XXXX, I returned equipment and they have charged off balance and collection agencies keep trying to collect. In turn, bring my score down and resulting in many financial issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. XXXX has me at a score around XXXX That is a huge difference XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below is the erroneous account reporting on my credit report : XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported error on my credit report stating I'm in a XXXX  XXXX am I'm not i reached out and they wouldn't change it on my credit report now it show derogatory
Product: Credit reporting or other personal consumer reports

I have been going back and forth with Transunion about my credit reporting. I asked for information showing I was 30 days late in XXXX. Moving has been sent to me. I also contacted XXXX XXXX and they stated they give the bureaus the information every XXXX f the month and my payments are due every XXXX of the month and as of now I am current with only XXXX payment being due with the company. All other payments have been made. I contacted the credit bureau already about the information being inaccurate and they still updated it to 30 days late. This is tremendously frustrating and hurting my score. I am asking for this misinformation be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.