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

In Accordance with the Fair Credit Reporting Act, XXXX  Account Numbers XXXX, XXXX, XXXX has Violated my rights. 

15 USC 1681 Section 602 H states that I have a right to privacy.

15 USC 1681 Section 604 Section 2 It also states a consumer report agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was scammed while trying to buy tickets for XXXX XXXX XXXX from a reseller on XXXX ( formerly XXXX ). The scammer sent me a screen recording showing they had the tickets and promised to transfer them after payment. I paid half of the {$400.00} price via XXXX, then received an email that appeared to be from XXXX. The email looked legitimate and redirected me to the XXXX XXXX, but it mentioned I needed to send more money to access the tickets. Thats when I realized Id been scammed. Unfortunately, my bank couldnt recover the funds because I used XXXX. This was XX/XX/year>. I was taken advantage. I was XXXX  at the time and wasnt thinking clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.
Product: Debt collection

SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. 

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

I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.
Product: Credit reporting or other personal consumer reports

I have worked with XXXX  to get a fraud account ( XXXX XXXX  ) removed from my credit report. I have received notice that it was removed and dispute was closed due to identity theft. I was also told that they would send information over to XXXX XXXX and equifax so they can remove it as well. I am working on a home loan and this is hindering the approval process. the tradeline needs to be removed from all XXXX. I provided all the supporting doc, police reports, identity theft report.
Product: Student loan

I started at the University XXXX XXXX in XXXX and continued my education there until XXXX. During that time I had to take out many private student loans and many of them from Navient. Navient actually holds the majority of my debt. I have been scammed by them since they were XXXX and Im pretty sure I qualify for the loan forgiveness settlement that came out this past XXXX. I can not get any representative at Navient to talk to me about this and I have tried multiple times. Not only that but even if I did qualify, they couldnt notify me anyway. Their site makes you setup your mailbox but doesnt allow you to do so and kicks you off the site before you can troubleshoot as to why. This company and had control of my life for over a decade, please help me if you can.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
They are being listed as follows : XXXX XXXX XXXX Acct # XXXX Amount : {$1800.00} Opened XX/XX/year> The below listed LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 
LATE PAYMENT CREDITORS ACCOUNT NUMBERS XXXX XXXX  Account Number XXXX Dates reported late and inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INOUIRIES DATE OF INQUIRY : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Hello, My name is XXXX XXXX. I'm writing to you to express my frustration and anger towards one of my Credit Card companies ( Capital One ) for charging me a late fee of {$29.00} reflected on my CC webpage noting a posted date of XX/XX/XXXX. 

Yes, I have contacted Capital One Customer Service line on two separate occasions, as there wasn't a supervisor available on my first call for my attempt to reach a satisfactory resolution. On my second call placed on Sunday XX/XX/XXXX to that same company, the supervisor, XXXX to whom I spoke, advised me that her automated options given do not allow her to waive or lower that particular fee. 
The previous day, before successfully escalating my request to a supervisor, the Customer Service Representative advised me that my fee could not be waived, as it had been waived in XXXX of the year before. I attempted to explain to the agent that my wallet was stolen while traveling cross country during the time in which that late payment transpired, and that my payment history since then has been on time without exception. 

Before I ended my call with Capitol One supervisor, XXXX XXXX, I advised her that I would be contacting you all ( Consumer Finance Protection Bureau ) to place a complaint. 

This complaint stems from the fact that I submitted payment of this month 's CC not more than thirty minutes or so late, as I forgotten to account for the Daylight Savings time that occurred for most of the country, but not my residential state ( Arizona ). 

In order to provide context to this issue, I'll need to fill in a few more blanks for you, if I may. As suggested, my CC payment due date was XX/XX/XXXX. This month, I thought I'd take advantage of having ( 3 ) paydays to shift a few bills around. I knew I would still be able to make payment to my Capital One CC since my payday was the same. 
However, my paycheck usually arrives from my banking institute late afternoon, like XXXX or XXXX XXXX. I was also aware that I had till XXXX XXXX  Eastern to make the payment post for that same day. So, I thought I had made the payment before the deadline until pulling up my Capital One webpage a few days later. 

However, it's disturbing to me that my payment is officially documented as being received late ( and posted the next day on XX/XX/XXXX ), that my CC company, to which I've been in good standing for many years, would refuse to work with me over such a minor blip. 
When I mentioned about the CFPB finalizing a rule limiting the penalty for a late payment to {$8.00} having gone into effect on XX/XX/XXXX, XXXX XXXX advised that no company rules regarding late fees have changed yet, and that if and when they do, they ( Capital One ) will be sending out their advisement noting any changes. 

I am shocked at the no-good faith effort applied to satisfying this customer 's request for a reasonable resolution. It is in exasperation that I employ your assistance. 

Thank you for any and all attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, AZ. XXXX Cell : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have the following hard inquiries that I don't recognize. 

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

XXXX  is reporting that I am affected by any natural or declared disaster. I have asked that this statement be removed from my account. 

I have asked for my own personal statement be added to the credit report XXXX  has refused. 

I have asked XXXX  for the documentation of investigations into disputed accounts reported. XXXX has refused. I have not received any information or documentation on how disputes were conducted and how the results were determined. 

I am not and have not asked for a reinvestigation or investigation of any kind on any account in the credit report by XXXX. This is an ongoing and continuous refusal of XXXX  to provide requested information and add personal statement. 

XXXX The Best Service company is wrong for reporting affected by natual disaster- I have contested this account on credit report for over 3 years. I do not owe The Best Service Company or the alleged originator of the collection. This statement constitutes fraud in reporting. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed anything with XXXX
Product: Credit reporting

Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor GMAC XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2022, a balance transfer was completed from XXXX XXXX to Citibank on my behalf. I had the amount of {$3200.00} paid to Citibank from XXXX XXXX. The balance transfer was posted to the Citibank account before the end of the billing cycle. Unfortunately for me, Citibank is charging me {$40.00} dollars in interest on " standard purchases '', yet I haven't purchased anything with the card since the balance transfer, and the card doesn't carry a balance because the balance was paid in full. The card doesn't have an annual or monthly fee, so this amount they are charging me isn't a fee just for having the card. It's literally interest on purchases, which I should not have to pay if I had a {$0.00} balance on the card. I contacted Citibank about this on XXXX and XXXX and both times they refused to work with me in reversing the charge and insist I have to pay the {$40.00} in interest on a {$0.00} balance. I've done balance transfers in the past and never had this problem before, as long as the balance is paid in full before the end of the billing cycle and the account doesn't carry a balance into the new billing cycle. I'm so frustrated with Citibank. Their customer service is awful.
Product: Payday loan, title loan, or personal loan

Got a small loan with XXXX XXXX for the amount of {$800.00} they advised that I would not owe that much. When I called back they advised I owed {$2000.00} over double than what was borrowed. The company is taking advantage of the consumer in a financial crisis. I tried to pay what I borrowed and make arrangements but they refused and want to collect {$2000.00} on an {$800.00} loan.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of XXXX accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following items immediately!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 began disputing credit report. XXXX, Trans Union, XXXX et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate credit score.
Product: Student loan

I have made continuous payments that have no been applied or recorded to my balance.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed collections and closed accounts with inaccurate and incomplete information. Each time, the dispute was closed within 24 hours with remarks such as verified and disputed by consumer. The process of investigation was never disclosed to me and the inaccurate and incomplete information still remains the same. I have several, duplicate negative items being reported with inconsistent information - status, dates, payment histories, etc. 
Transunion, XXXX, and XXXX have failed to investigate my disputes, provide their methods of verification and validation, and remove inaccuracies, such as accounts that do not belong to me.
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 resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided 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, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX XXXX through Chrysler Capital in XX/XX/XXXX. The vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being a total loss. My insurer XXXX paid off the balance of the lease and sent me the remaining amount as the car was valued at more than the balance of the lease. The lease balance was satisfied and the account was closed. Since then, Chrysler Capital has reported that the lease was satisfied and closed as of XX/XX/XXXX but in the remarks section it states Early termination ; Insurance loss. As a result of this remark, my credit score dropped by almost XXXX XXXX and I have been denied credit from several banks as they stated I have a serious delinquency on my credit report. After further investigation, it was determined and shared by the banks that the reference to an early lease termination is considered a derogatory remark, comparable to a repossession or numerous late payments and it should only be reported as a total loss and not early termination. I have spent countless hours on the phone with Chrysler who claims they cant fix it even though its wrong and negatively impacts my credit and according to XXXX, even though its wrong and now considered a negative item on my credit report, they cant remove it until Chrysler updates their reporting. I am basically stuck in a circle of finger pointing and unable to have my credit report fixed. Every bank and credit agency says its wrong but Chrysler wont remove it or update the remark so it doesnt continue to impact my credit score for the next XXXX XXXX. I have no where else to turn at this point as Ive exhausted all efforts thru Chrysler and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I asked my bank to transfer XXXX Then the next day XXXX Then they began holding my transfers for 3 days at a time. 
I then transferred XXXX they held it as well. 


I transferred it from an external account ending in XXXX. 

My external account showed they never pulled anything out. It had the full balance of XXXX I then waited 5 days. 
Upon returning they stole the funds transfer As the result of XXXX  it up You dont charge XXXX after never transferring the money Then when I re did it they stole the money.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Hi, This collector claim that i owe {$2200.00} that i don't even know from who is it. 
i asked to be sent detail of who was the original lender and itemize transactions dates but was never sent. 
they went ahead and go to court in XXXX when i was out the country, i was XXXX but not served, the judge put a XXXX XXXX XXXX on my name for default judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Capital One Bank, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : Capital One Bank Account # XXXX has one 30 days past due as of XX/XX/2016 The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and Capital One keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

Capital One The 30 day late reporting made by Capital One Bank is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. Capital One Bank has received payment in the month it reported me late.

What the attached proof of payment shows is that Capital One Bank account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting Capital One Bank directly but Capital One keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX and XXXX responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
Product: Consumer Loan

Lender required last 4 of SSN for identification and has no alternate method for account owner authentication. SSN is never to be used for identification.